<SEC-DOCUMENT>0001193125-20-022384.txt : 20200203
<SEC-HEADER>0001193125-20-022384.hdr.sgml : 20200203
<ACCEPTANCE-DATETIME>20200203090719
ACCESSION NUMBER:		0001193125-20-022384
CONFORMED SUBMISSION TYPE:	8-K
PUBLIC DOCUMENT COUNT:		15
CONFORMED PERIOD OF REPORT:	20200203
ITEM INFORMATION:		Other Events
ITEM INFORMATION:		Financial Statements and Exhibits
FILED AS OF DATE:		20200203
DATE AS OF CHANGE:		20200203

FILER:

	COMPANY DATA:	
		COMPANY CONFORMED NAME:			CITIZENS FINANCIAL GROUP INC/RI
		CENTRAL INDEX KEY:			0000759944
		STANDARD INDUSTRIAL CLASSIFICATION:	STATE COMMERCIAL BANKS [6022]
		IRS NUMBER:				050412693
		STATE OF INCORPORATION:			DE
		FISCAL YEAR END:			1231

	FILING VALUES:
		FORM TYPE:		8-K
		SEC ACT:		1934 Act
		SEC FILE NUMBER:	001-36636
		FILM NUMBER:		20567123

	BUSINESS ADDRESS:	
		STREET 1:		1 CITIZENS PLAZA
		CITY:			PROVIDENCE
		STATE:			RI
		ZIP:			02903
		BUSINESS PHONE:		4014567000

	MAIL ADDRESS:	
		STREET 1:		1 CITIZENS PLAZA
		CITY:			PROVIDENCE
		STATE:			RI
		ZIP:			02903
</SEC-HEADER>
<DOCUMENT>
<TYPE>8-K
<SEQUENCE>1
<FILENAME>d875150d8k.htm
<DESCRIPTION>FORM 8-K
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<td style="vertical-align:top;">&#160;</td>
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<td style="vertical-align:top;">&#160;</td>
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<td style="vertical-align:top;">&#160;</td>
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<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:top;padding:0;"> <p style="font-family:Trebuchet MS;font-weight:bold;text-align:center;font-size:8pt;margin-bottom:0pt;margin-top:0pt">(IRS Employer</p> <p style="font-family:Trebuchet MS;font-weight:bold;text-align:center;font-size:8pt;margin-bottom:0pt;margin-top:0pt">Identification No.)</p></td></tr>
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<td style="height:16px;">&#160;</td></tr>
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<td>&#160;</td>
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<td>&#160;</td>
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<table cellspacing="0" cellpadding="0" border="0" style="font-family:Trebuchet MS;font-weight:bold;border-collapse:collapse;text-align:left;width:100%;font-size:10pt;margin-bottom:0pt;margin-top:0pt;border:0;">
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<td style="width:4%;vertical-align:top;white-space:nowrap;"> <span style="font-family:Times New Roman;font-weight:normal"><ix:nonNumeric name="dei:WrittenCommunications" contextRef="duration_2020-02-03_to_2020-02-03" format="ixt-sec:boolballotbox">&#9744;</ix:nonNumeric></span>&#32;</td>
<td style="font-family:Trebuchet MS;font-weight:bold;text-align:left;font-size:10pt;margin-bottom:0pt;margin-top:0pt;">Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)</td></tr></table> <p style="margin-bottom:0px;margin-top:6pt"></p>
<table cellspacing="0" cellpadding="0" border="0" style="font-family:Trebuchet MS;font-weight:bold;border-collapse:collapse;text-align:left;width:100%;font-size:10pt;margin-bottom:0pt;margin-top:0pt;border:0;">
<tr style="page-break-inside:avoid;">
<td style="width:4%;vertical-align:top;white-space:nowrap;"> <span style="font-family:Times New Roman;font-weight:normal"><ix:nonNumeric name="dei:SolicitingMaterial" contextRef="duration_2020-02-03_to_2020-02-03" format="ixt-sec:boolballotbox">&#9744;</ix:nonNumeric></span>&#32;</td>
<td style="font-family:Trebuchet MS;font-weight:bold;text-align:left;font-size:10pt;margin-bottom:0pt;margin-top:0pt;">Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12)</td></tr></table> <p style="margin-bottom:0px;margin-top:6pt"></p>
<table cellspacing="0" cellpadding="0" border="0" style="font-family:Trebuchet MS;font-weight:bold;border-collapse:collapse;text-align:left;width:100%;font-size:10pt;margin-bottom:0pt;margin-top:0pt;border:0;">
<tr style="page-break-inside:avoid;">
<td style="width:4%;vertical-align:top;white-space:nowrap;"> <span style="font-family:Times New Roman;font-weight:normal"><ix:nonNumeric name="dei:PreCommencementTenderOffer" contextRef="duration_2020-02-03_to_2020-02-03" format="ixt-sec:boolballotbox">&#9744;</ix:nonNumeric></span>&#32;</td>
<td style="font-family:Trebuchet MS;font-weight:bold;text-align:left;font-size:10pt;margin-bottom:0pt;margin-top:0pt;">Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b))</td></tr></table> <p style="margin-bottom:0px;margin-top:6pt"></p>
<table cellspacing="0" cellpadding="0" border="0" style="font-family:Trebuchet MS;font-weight:bold;border-collapse:collapse;text-align:left;width:100%;font-size:10pt;margin-bottom:0pt;margin-top:0pt;border:0;">
<tr style="page-break-inside:avoid;">
<td style="width:4%;vertical-align:top;white-space:nowrap;"> <span style="font-family:Times New Roman;font-weight:normal"><ix:nonNumeric name="dei:PreCommencementIssuerTenderOffer" contextRef="duration_2020-02-03_to_2020-02-03" format="ixt-sec:boolballotbox">&#9744;</ix:nonNumeric></span>&#32;</td>
<td style="font-family:Trebuchet MS;font-weight:bold;text-align:left;font-size:10pt;margin-bottom:0pt;margin-top:0pt;">Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c))</td></tr></table> <p style="font-family:Trebuchet MS;font-weight:bold;text-align:left;font-size:10pt;margin-bottom:0px;margin-top:12pt">Securities registered pursuant to Section 12(b) of the Act:</p>
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<td style="width:35%;"></td>
<td style="width:2%;"></td>
<td style="width:33%;"></td>
<td style="width:1%;"></td>
<td style="width:29%;"></td></tr>
<tr style="page-break-inside:avoid;font-size:8pt;">
<td style="border-bottom:1pt solid #000000;white-space:nowrap;vertical-align:bottom;"> <p style="font-family:Trebuchet MS;font-weight:bold;text-align:center;font-size:8pt;margin-bottom:0pt;margin-top:0pt">Title of each class</p></td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="border-bottom:1pt solid #000000;vertical-align:bottom;"> <p style="font-family:Trebuchet MS;font-weight:bold;text-align:center;font-size:8pt;margin-bottom:0pt;margin-top:0pt">Trading</p> <p style="font-family:Trebuchet MS;font-weight:bold;text-align:center;font-size:8pt;margin-bottom:0pt;margin-top:0pt">symbol(s)</p></td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="border-bottom:1pt solid #000000;vertical-align:bottom;"> <p style="font-family:Trebuchet MS;font-weight:bold;text-align:center;font-size:8pt;margin-bottom:0pt;margin-top:0pt">Name of each exchange</p> <p style="font-family:Trebuchet MS;font-weight:bold;text-align:center;font-size:8pt;margin-bottom:0pt;margin-top:0pt">on which registered</p></td></tr>
<tr style="page-break-inside:avoid;font-size:10pt;">
<td style="vertical-align:top;padding:0;"> <p style="font-family:Trebuchet MS;font-weight:bold;text-align:center;font-size:10pt;margin-bottom:0pt;margin-top:0pt"><ix:nonNumeric name="dei:Security12bTitle" contextRef="duration_2020-02-03_to_2020-02-03_us-gaap-StatementClassOfStockAxis_us-gaap-CommonStockMember">Common stock, $0.01 par value per share</ix:nonNumeric></p></td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:top;padding:0;"> <p style="font-family:Trebuchet MS;font-weight:bold;text-align:center;font-size:10pt;margin-bottom:0pt;margin-top:0pt"><ix:nonNumeric name="dei:TradingSymbol" contextRef="duration_2020-02-03_to_2020-02-03_us-gaap-StatementClassOfStockAxis_us-gaap-CommonStockMember">CFG</ix:nonNumeric></p></td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:top;padding:0;"> <p style="font-family:Trebuchet MS;font-weight:bold;text-align:center;font-size:10pt;margin-bottom:0pt;margin-top:0pt"><ix:nonNumeric name="dei:SecurityExchangeName" contextRef="duration_2020-02-03_to_2020-02-03_us-gaap-StatementClassOfStockAxis_us-gaap-CommonStockMember" format="ixt-sec:exchnameen">New York Stock Exchange</ix:nonNumeric></p></td></tr>
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<td style="vertical-align:top;padding:0;"> <p style="font-family:Trebuchet MS;font-weight:bold;text-align:center;font-size:10pt;margin-bottom:0pt;margin-top:0pt"><ix:nonNumeric name="dei:Security12bTitle" contextRef="duration_2020-02-03_to_2020-02-03_us-gaap-StatementClassOfStockAxis_us-gaap-SeriesDPreferredStockMember">Depositary Shares, each representing a 1/40th interest in a share of 6.350% Fixed-to-Floating Rate <span style="white-space:nowrap">Non-Cumulative</span> Perpetual Preferred Stock, Series D</ix:nonNumeric></p></td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:top;padding:0;"> <p style="font-family:Trebuchet MS;font-weight:bold;text-align:center;font-size:10pt;margin-bottom:0pt;margin-top:0pt"><ix:nonNumeric name="dei:TradingSymbol" contextRef="duration_2020-02-03_to_2020-02-03_us-gaap-StatementClassOfStockAxis_us-gaap-SeriesDPreferredStockMember">CFG PrD</ix:nonNumeric></p></td>
<td style="vertical-align:top;">&#160;</td>
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 <div style="font-size:10pt;width:100%"> <p style="font-family:Trebuchet MS;font-weight:bold;text-align:left;font-size:10pt;margin-bottom:0pt;margin-top:0pt">Item&#160;8.01 &#160;&#160;Other Events.</p> <p style="font-family:Trebuchet MS;text-align:justify;font-size:10pt;margin-bottom:0px;margin-top:6pt">On January 17, 2020,&#32;Citizens Financial Group, Inc. (&#8220;CFG&#8221; or &#8220;Citizens&#8221;) reported fourth quarter net income of $450&#160;million, down 3% from $465&#160;million in fourth quarter 2018, with earnings per share of $0.98, up 2% from $0.96 per share in fourth quarter 2018. Fourth quarter 2019 results reflect a net $4&#160;million, or $(0.01) per share, <span style="white-space:nowrap">after-tax </span>&#32;reduction from notable items compared with a net $9&#160;million, or $(0.02) per share, in fourth quarter 2018 and a net $4&#160;million, or $(0.01) per share, in third quarter 2019. Full year 2019 net income available to common stockholders of $1.7&#160;billion compares with $1.7&#160;billion in 2018, with EPS of $3.81, up 8% from $3.52 in 2018. 2019 ROTCE of 12.6% compares with 12.9% in 2018. 2019 results reflect a net $17&#160;million <span style="white-space:nowrap">after-tax</span> reduction, or $(0.03) per fully diluted share, from notable items compared with a net $16&#160;million, or $(0.04) per share, in 2018. </p> <p style="font-family:Trebuchet MS;text-align:justify;font-size:10pt;margin-bottom:0px;margin-top:12pt">On an Underlying basis, which excludes notable items, fourth quarter 2019 net income available to common stockholders of $431&#160;million decreased 6% from fourth quarter 2018 and 1% from third quarter 2019. Underlying EPS of $0.99 per share increased 1% from fourth quarter 2018 and 1% from third quarter 2019. Underlying fourth quarter 2019 ROTCE of 12.5% compares with 14.1% in fourth quarter 2018 and 12.6% in third quarter 2019. Tangible book value per common share of $32.08 increased 12% from fourth quarter 2018 and 2% from third quarter 2019. On an Underlying basis, full year 2019 net income available to common stockholders of $1.7&#160;billion increased 2% and diluted EPS of $3.84 increased 8% from 2018 levels. On an Underlying basis, 2019 ROTCE of 12.8% compares with 13.1% in 2018 reflecting the challenging rate environment. </p> <p style="font-family:Trebuchet MS;text-align:left;text-indent:0%;font-size:8pt;margin-bottom:0px;margin-top:36pt">References in this report to &#8220;Underlying&#8221; results exclude notable items and are <span style="white-space:nowrap">Non-GAAP</span> Financial Measures. &#8220;Underlying results before the impact of Acquisitions&#8221; exclude the impact of acquisitions that occurred after second quarter 2018 and notable items, as applicable. Where there is a reference to &#8220;Underlying&#8221; results in a paragraph, all measures that follow these references are on the same basis. Additional information regarding the impact of notable items and Acquisitions on our results is described in this report. Please see the end of this report for important information on our use of Key Performance Metrics and <span style="white-space:nowrap">Non-GAAP</span> Financial Measures, as applicable, and their reconciliation to GAAP financial measures. References in this report to balance sheet items are on an average basis and loans exclude loans held for sale (&#8220;LHFS&#8221;) unless otherwise noted. References to net interest margin are on a fully taxable equivalent (&#8220;FTE&#8221;) basis and all references to earnings per share represent fully diluted per common share.&#160;References to consolidated and/or commercial loans and loan growth include leases. The &#8220;Company&#8221; refers to Citizens. Current reporting-period regulatory capital ratios are preliminary. Select totals may not sum due to rounding. </p> <div></div> <p style="margin-top:1em;margin-bottom:0em"></p>
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 <div style="font-size:10pt;width:100%"> <p style="font-family:Trebuchet MS;text-align:justify;font-size:10pt;margin-bottom:0pt;margin-top:0pt">Citizens&#8217; board of directors has declared an 8% increase in its quarterly cash dividend to $0.39 per common share. The first quarter dividend is now 22% higher than a year ago. The dividend is payable on February&#160;12, 2020 to shareholders of record at the close of business on January&#160;29, 2020. </p> <div></div> <p style="margin-top:1em;margin-bottom:0em"></p>
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 <div style="font-size:10pt;width:100%"> <p style="color:#009B7A;font-family:Trebuchet MS;font-weight:bold;text-align:left;{ &quot;1&quot;: &quot;color:red&quot; }:2;text-decoration:underline;font-size:10pt;margin-bottom:0pt;margin-top:0pt">Fourth quarter 2019 vs. fourth quarter 2018 </p> <p style="color:#009B7A;font-family:Trebuchet MS;font-weight:bold;text-align:left;{ &quot;1&quot;: &quot;color:red&quot; }:2;font-size:10pt;margin-bottom:0px;margin-top:8pt">Key highlights </p> <p style="margin-bottom:0px;margin-top:6pt"></p>
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<td style="font-family:Trebuchet MS;text-align:justify;font-size:10pt;margin-bottom:0pt;margin-top:0pt;">Fourth quarter results reflect revenue growth of $44&#160;million, or 3%; up 2% on an Underlying basis, despite the challenging rate environment. Record Underlying noninterest income up 16%, paced by strong results in mortgage banking with record results in capital markets and foreign exchange and interest rate products.</td> </tr> </table> <p style="margin-bottom:0px;margin-top:6pt"></p>
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<td style="font-family:Trebuchet MS;text-align:justify;font-size:10pt;margin-bottom:0pt;margin-top:0pt;">Fourth quarter 2019 results reflect a net $4&#160;million <span style="white-space:nowrap">after-tax</span> reduction, or $(0.01) per share, from notable items compared with a net $9&#160;million <span style="white-space:nowrap">after-tax</span> reduction, or $(0.02) per share, in fourth quarter 2018. Fourth quarter 2019 notable items, including a $24&#160;million benefit, or $0.06 per share, largely tied to legacy tax matters, lowered the reported effective tax rate from approximately 21.5% to 16.8%, which helped offset TOP and integration costs.</td> </tr> </table> <p style="margin-bottom:0px;margin-top:6pt"></p>
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<td style="font-family:Trebuchet MS;text-align:justify;font-size:10pt;margin-bottom:0pt;margin-top:0pt;">Results reflect an efficiency ratio of 60.3% and ROTCE of 12.4%; delivered an Underlying efficiency ratio of 58.0% and ROTCE of 12.5%.</td> </tr> </table> <p style="margin-bottom:0px;margin-top:6pt"></p>
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<td style="font-family:Trebuchet MS;text-align:justify;font-size:10pt;margin-bottom:0pt;margin-top:0pt;"> <span style="white-space:nowrap">Period-end</span>&#32;<span style="white-space:nowrap">loan-to-deposit</span> ratio of 95.0% improved from 97.6%.</td> </tr> </table> <p style="margin-bottom:0px;margin-top:6pt"></p>
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<td style="font-family:Trebuchet MS;text-align:justify;font-size:10pt;margin-bottom:0pt;margin-top:0pt;">Tangible book value per common share of $32.08 increased 12%. Fully diluted average common shares outstanding decreased 32.6&#160;million shares, or 7%.</td> </tr> </table> <p style="color:#009B7A;font-family:Trebuchet MS;font-weight:bold;text-align:left;{ &quot;1&quot;: &quot;color:red&quot; }:2;font-size:10pt;margin-bottom:0px;margin-top:12pt">Results </p> <p style="margin-bottom:0px;margin-top:6pt"></p>
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<td style="font-family:Trebuchet MS;text-align:justify;font-size:10pt;margin-bottom:0pt;margin-top:0pt;">Underlying total revenue increased $39&#160;million, or 2%, reflecting strength in noninterest income and lower net interest income.</td> </tr> </table> <p style="margin-bottom:0px;margin-top:6pt"></p>
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<td style="font-family:Trebuchet MS;text-align:justify;font-size:10pt;margin-bottom:0pt;margin-top:0pt;">Net interest income decreased 2%, reflecting the challenging rate and yield curve environment, partially offset by the impact of 4% growth in interest-earning assets.</td> </tr> </table> <p style="margin-bottom:0px;margin-top:6pt"></p>
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<td style="font-family:Trebuchet MS;text-align:justify;font-size:10pt;margin-bottom:0pt;margin-top:0pt;">Net interest margin of 3.06% decreased 19 basis points, reflecting the impact of lower rates and higher prepayments on interest-earning asset yields, partially offset by the benefit of continued mix shift towards better-returning assets and deposit pricing discipline.</td> </tr> </table> <p style="margin-bottom:0px;margin-top:6pt"></p>
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<td style="font-family:Trebuchet MS;text-align:justify;font-size:10pt;margin-bottom:0pt;margin-top:0pt;">Record Underlying noninterest income of $494&#160;million increased $68&#160;million, or 16%, driven by strong results in mortgage banking, record results in capital markets and foreign exchange and interest rate products and solid performance in trust and investment services fees.</td> </tr> </table> <p style="margin-bottom:0px;margin-top:6pt"></p>
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<td style="font-family:Trebuchet MS;text-align:justify;font-size:10pt;margin-bottom:0pt;margin-top:0pt;">Noninterest expense increased 4%. Underlying noninterest expense of $949&#160;million increased 5% reflecting higher salaries and employee benefits, equipment and software expense and outside services, given the impact of merit increases, higher revenue-driven incentives and investments in strategic growth initiatives.</td> </tr> </table> <p style="margin-bottom:0px;margin-top:6pt"></p>
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<td style="font-family:Trebuchet MS;text-align:justify;font-size:10pt;margin-bottom:0pt;margin-top:0pt;">Provision expense of $110&#160;million compares with $85&#160;million in fourth quarter 2018, largely reflecting several modest losses in Commercial and the impact of continued seasoning in retail growth portfolios. Key credit metrics continue to reflect overall strong credit quality.</td> </tr> </table> <p style="margin-bottom:0px;margin-top:6pt"></p>
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<td style="font-family:Trebuchet MS;text-align:justify;font-size:10pt;margin-bottom:0pt;margin-top:0pt;">ROTCE of 12.4% compares with 13.8% for fourth quarter 2018. Underlying ROTCE of 12.5% compares with 14.1% for fourth quarter 2018 and reflects an approximate 85 basis point drag from higher tangible common equity value, given the positive impact of lower long-term rates on securities valuations.</td> </tr> </table> <div></div> <p style="margin-top:1em;margin-bottom:0em"></p>
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<td style="font-family:Trebuchet MS;text-align:justify;font-size:10pt;margin-bottom:0pt;margin-top:0pt;">Average interest-earning assets increased $5.1&#160;billion, or 4%, driven by 3% loan growth in commercial and retail. Loans increased 4% before the impact of 2019 loan sales activity tied to Balance Sheet Optimization initiatives.</td> </tr> </table> <p style="margin-bottom:0px;margin-top:6pt"></p>
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<td style="font-family:Trebuchet MS;text-align:justify;font-size:10pt;margin-bottom:0pt;margin-top:0pt;">Average deposits increased $7.9&#160;billion, or 7%, reflecting growth in money market accounts, savings, term deposits and checking with interest. The average <span style="white-space:nowrap">loan-to-deposit</span> ratio improved to 94.6% from 98.4%; <span style="white-space:nowrap">period-end </span>&#32;<span style="white-space:nowrap">loan-to-deposit</span> ratio improved to 95.0% from 97.6% in fourth quarter 2018.</td> </tr> </table> <p style="margin-bottom:0px;margin-top:6pt"></p>
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<td style="font-family:Trebuchet MS;text-align:justify;font-size:10pt;margin-bottom:0pt;margin-top:0pt;">Nonperforming loans and leases (&#8220;NPLs&#8221;) to loans and leases ratio of 0.59% improved from 0.66%, reflecting a decrease in retail, partially offset by an increase in commercial.</td> </tr> </table> <p style="margin-bottom:0px;margin-top:6pt"></p>
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<td style="font-family:Trebuchet MS;text-align:justify;font-size:10pt;margin-bottom:0pt;margin-top:0pt;">Allowance coverage of NPLs of 178% improved from 162%.</td> </tr> </table> <p style="margin-bottom:0px;margin-top:6pt"></p>
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<td style="font-family:Trebuchet MS;text-align:justify;font-size:10pt;margin-bottom:0pt;margin-top:0pt;">Capital remains strong, with a common equity tier 1 (&#8220;CET1&#8221;) risk-based capital ratio of 10.0%.</td> </tr> </table> <p style="margin-bottom:0px;margin-top:6pt"></p>
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<td style="font-family:Trebuchet MS;text-align:justify;font-size:10pt;margin-bottom:0pt;margin-top:0pt;">Repurchased 10.9&#160;million shares of common stock at a weighted average price of $36.68 in the quarter. Including common dividends, returned $558&#160;million in capital to shareholders.</td> </tr> </table> <p style="color:#009B7A;font-family:Trebuchet MS;font-weight:bold;text-align:left;{ &quot;1&quot;: &quot;color:red&quot; }:2;text-decoration:underline;font-size:10pt;margin-bottom:0px;margin-top:8pt">Year-over-year update on plan execution </p> <p style="color:#009B7A;font-family:Trebuchet MS;font-weight:bold;text-align:left;{ &quot;1&quot;: &quot;color:red&quot; }:2;font-size:10pt;margin-bottom:0px;margin-top:8pt">Consumer Banking </p> <p style="margin-bottom:0px;margin-top:6pt"></p>
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<td style="font-family:Trebuchet MS;text-align:justify;font-size:10pt;margin-bottom:0pt;margin-top:0pt;">Continued balance sheet momentum, with 3% loan growth, or 5% before the impact of 2019 loan sales activity, including continued growth in more attractive risk-adjusted return categories; 8% deposit growth, including 3% growth in demand deposits.</td> </tr> </table> <p style="margin-bottom:0px;margin-top:6pt"></p>
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<td style="font-family:Trebuchet MS;text-align:justify;font-size:10pt;margin-bottom:0pt;margin-top:0pt;">Strong development of and results in our fee income businesses. Generated robust mortgage banking fees, up 45%, and trust and investment services fees, up 21%.</td> </tr> </table> <p style="margin-bottom:0px;margin-top:6pt"></p>
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<td style="font-family:Trebuchet MS;text-align:justify;font-size:10pt;margin-bottom:0pt;margin-top:0pt;">Citizens Access<sup style="font-size:85%;vertical-align:top">&#174;</sup>, our nationwide digital platform, ended the year with deposits of $5.8&#160;billion.</td> </tr> </table> <p style="color:#009B7A;font-family:Trebuchet MS;font-weight:bold;text-align:left;{ &quot;1&quot;: &quot;color:red&quot; }:2;font-size:10pt;margin-bottom:0px;margin-top:8pt">Commercial Banking </p> <p style="margin-bottom:0px;margin-top:6pt"></p>
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<td style="font-family:Trebuchet MS;text-align:justify;font-size:10pt;margin-bottom:0pt;margin-top:0pt;">Strong balance sheet performance with 3% loan growth, driven by geographic, product and client-focused expansion strategies.</td> </tr> </table> <p style="margin-bottom:0px;margin-top:6pt"></p>
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<td style="font-family:Trebuchet MS;text-align:justify;font-size:10pt;margin-bottom:0pt;margin-top:0pt;">Continue to benefit from investments in broadening and enhancing our capabilities and the diversification of our <span style="white-space:nowrap">fee-based</span> businesses. Record fee revenues of $175&#160;million reflect growth in our customer base and deepening of relationships. Completed client migration to our upgraded cash management platform during the quarter.</td> </tr> </table> <p style="color:#009B7A;font-family:Trebuchet MS;font-weight:bold;text-align:left;{ &quot;1&quot;: &quot;color:red&quot; }:2;font-size:10pt;margin-bottom:0px;margin-top:8pt">Efficiency and balance sheet optimization initiatives </p> <p style="margin-bottom:0px;margin-top:6pt"></p>
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<td style="font-family:Trebuchet MS;text-align:justify;font-size:10pt;margin-bottom:0pt;margin-top:0pt;">TOP 5 program efficiency and revenue initiatives achieved approximately $125&#160;million <span style="white-space:nowrap">year-end</span> 2019 <span style="white-space:nowrap">pre-tax </span>&#32;<span style="white-space:nowrap">run-rate</span> benefit.</td> </tr> </table> <p style="margin-bottom:0px;margin-top:6pt"></p>
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<td style="font-family:Trebuchet MS;text-align:justify;font-size:10pt;margin-bottom:0pt;margin-top:0pt;">The transformational TOP 6 program is well underway, with a target of approximately <span style="white-space:nowrap">$300-$325</span>&#160;million in <span style="white-space:nowrap">pre-tax</span>&#32;<span style="white-space:nowrap">run-rate</span> benefit by <span style="white-space:nowrap">year-end</span> 2021.</td> </tr> </table> <p style="margin-bottom:0px;margin-top:6pt"></p>
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<td style="font-family:Trebuchet MS;text-align:justify;font-size:10pt;margin-bottom:0pt;margin-top:0pt;">Continued progress on Balance Sheet Optimization initiatives to grow more attractive risk-adjusted return portfolios and optimize deposit mix. Several portfolio actions expected to boost NIM and ROTCE are under consideration.</td> </tr> </table> <div></div> <p style="margin-top:1em;margin-bottom:0em"></p>
 <div style="width:100%"> <p style="font-family:Trebuchet MS;text-align:center;font-size:10pt;margin-bottom:0pt;margin-top:0pt">5</p> <div></div> </div>

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 <div style="font-size:10pt;width:100%"> <p style="color:#009B7A;font-family:Trebuchet MS;font-weight:bold;text-align:left;{ &quot;1&quot;: &quot;color:red&quot; }:2;text-decoration:underline;font-size:10pt;margin-bottom:0pt;margin-top:0pt">Fourth quarter 2019 vs. third quarter 2019 </p> <p style="color:#009B7A;font-family:Trebuchet MS;font-weight:bold;text-align:left;{ &quot;1&quot;: &quot;color:red&quot; }:2;font-size:10pt;margin-bottom:0px;margin-top:8pt">Key highlights </p> <p style="margin-bottom:0px;margin-top:6pt"></p>
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<td style="font-family:Trebuchet MS;text-align:justify;font-size:10pt;margin-bottom:0pt;margin-top:0pt;">Fourth quarter highlights include broadly stable revenue despite the impact of a challenging yield curve environment. Continued strength in noninterest income reflects record results in capital markets and foreign exchange and interest rate products.</td> </tr> </table> <p style="margin-bottom:0px;margin-top:6pt"></p>
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<td style="font-family:Trebuchet MS;text-align:justify;font-size:10pt;margin-bottom:0pt;margin-top:0pt;">Fourth quarter 2019 results reflect a net $4&#160;million <span style="white-space:nowrap">after-tax</span> reduction, or $(0.01) per share, from notable items compared with a net $4&#160;million <span style="white-space:nowrap">after-tax</span> reduction, or ($0.01) per share, in third quarter 2019. Fourth quarter 2019 notable items, including a $24&#160;million benefit, or $0.06 per share, largely tied to legacy tax matters, lowered the reported effective tax rate from approximately 21.5% to 16.8%.</td> </tr> </table> <p style="margin-bottom:0px;margin-top:6pt"></p>
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<td style="font-family:Trebuchet MS;text-align:justify;font-size:10pt;margin-bottom:0pt;margin-top:0pt;">Linked quarter trends reflect the impact of a third quarter 2019 aircraft lease restructuring transaction, given our continuing efforts to accelerate the rundown of the <span style="white-space:nowrap">non-core</span> lease portfolio. This transaction increased other noninterest income $7&#160;million, noninterest expense $10&#160;million and net charge-offs and provision expense $5&#160;million and decreased <span style="white-space:nowrap">pre-provision</span> net revenue $3&#160;million.</td> </tr> </table> <p style="margin-bottom:0px;margin-top:6pt"></p>
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<td style="font-family:Trebuchet MS;text-align:justify;font-size:10pt;margin-bottom:0pt;margin-top:0pt;">ROTCE was 12.4%; Underlying ROTCE of 12.5% compares with 12.6% in third quarter 2019.</td> </tr> </table> <p style="margin-bottom:0px;margin-top:6pt"></p>
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<td style="font-family:Trebuchet MS;text-align:justify;font-size:10pt;margin-bottom:0pt;margin-top:0pt;">Tangible book value per common share of $32.08 increased 2%. Fully diluted average common shares outstanding decreased 10.6&#160;million, or 2%.</td> </tr> </table> <p style="margin-bottom:0px;margin-top:6pt"></p>
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<td style="font-family:Trebuchet MS;text-align:justify;font-size:10pt;margin-bottom:0pt;margin-top:0pt;">Results reflect an efficiency ratio of 60.3%; Underlying efficiency ratio of 58.0% compares with 58.2% in third quarter 2019, reflecting broadly stable revenue and well-controlled expenses.</td> </tr> </table> <p style="color:#009B7A;font-family:Trebuchet MS;font-weight:bold;text-align:left;{ &quot;1&quot;: &quot;color:red&quot; }:2;font-size:10pt;margin-bottom:0px;margin-top:8pt">Results </p> <p style="margin-bottom:0px;margin-top:6pt"></p>
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<td style="font-family:Trebuchet MS;text-align:justify;font-size:10pt;margin-bottom:0pt;margin-top:0pt;">Total revenue of $1.6&#160;billion reflects broadly stable net interest income and noninterest income.</td> </tr> </table> <p style="margin-bottom:0px;margin-top:6pt"></p>
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<td style="font-family:Trebuchet MS;text-align:justify;font-size:10pt;margin-bottom:0pt;margin-top:0pt;">Net interest income of $1.1&#160;billion was relatively stable, as the impact of lower interest-earning asset yields given the challenging rate environment was largely offset by the benefit of loan growth and reduced funding costs.</td> </tr> </table> <p style="margin-bottom:0px;margin-top:6pt"></p>
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<td style="font-family:Trebuchet MS;text-align:justify;font-size:10pt;margin-bottom:0pt;margin-top:0pt;">Net interest margin of 3.06% decreased 6 basis points as a reduction in interest-earning asset yields was only partially offset by the benefit of lower funding costs given lower short-term rates. Interest-bearing deposit costs decreased 15 basis points, reflecting strong pricing discipline.</td> </tr> </table> <p style="margin-bottom:0px;margin-top:6pt"></p>
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<td style="font-family:Trebuchet MS;text-align:justify;font-size:10pt;margin-bottom:0pt;margin-top:0pt;">Record noninterest income of $494&#160;million was up slightly, as record results in capital markets and foreign exchange and interest rate products and solid results in trust and investment services fees were offset by a decrease in mortgage banking fees from record third quarter 2019 levels. Results also reflect a $7&#160;million decrease from third quarter 2019 levels tied to the lease transaction.</td> </tr> </table> <p style="margin-bottom:0px;margin-top:6pt"></p>
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<td style="font-family:Trebuchet MS;text-align:justify;font-size:10pt;margin-bottom:0pt;margin-top:0pt;">Noninterest expense of $986&#160;million increased $13&#160;million, or 1%, including the impact of notable items. On an Underlying basis, noninterest expense of $949&#160;million decreased $5&#160;million, or 1%, largely reflecting a $10&#160;million impact from the third quarter 2019 lease transaction and lower salaries and employee benefits, partially offset by seasonally higher outside services.</td> </tr> </table> <p style="margin-bottom:0px;margin-top:6pt"></p>
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<td style="font-family:Trebuchet MS;text-align:justify;font-size:10pt;margin-bottom:0pt;margin-top:0pt;">Provision expense of $110&#160;million increased from $101&#160;million in the prior quarter, largely reflecting retail seasonality and continued seasoning in retail growth portfolios, partially offset by lower commercial.</td> </tr> </table> <div></div> <p style="margin-top:1em;margin-bottom:0em"></p>
 <div style="width:100%"> <p style="font-family:Trebuchet MS;text-align:center;font-size:10pt;margin-bottom:0pt;margin-top:0pt">6</p> <div></div> </div>

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 <div style="font-size:10pt;width:100%"> <p style="color:#009B7A;font-family:Trebuchet MS;font-weight:bold;text-align:left;{ &quot;1&quot;: &quot;color:red&quot; }:2;font-size:10pt;margin-bottom:0pt;margin-top:0pt">Balance sheet </p> <p style="margin-bottom:0px;margin-top:6pt"></p>
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<td style="font-family:Trebuchet MS;text-align:justify;font-size:10pt;margin-bottom:0pt;margin-top:0pt;">Average interest-earning assets increased $2.4&#160;billion, or 2%, driven by 1% loan growth. Average loan growth reflected the $419&#160;million average impact of the transfer of $1.1&#160;billion of mortgages to loans held for sale in connection with Balance Sheet Optimization initiatives. Average loans were up 2% before the impact of this sales activity.</td> </tr> </table> <p style="margin-bottom:0px;margin-top:6pt"></p>
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<td style="font-family:Trebuchet MS;text-align:justify;font-size:10pt;margin-bottom:0pt;margin-top:0pt;">Average deposits increased $1.7&#160;billion, reflecting growth in money market accounts, demand deposits, savings and checking with interest, partially offset by a decrease in term deposits.</td> </tr> </table> <p style="margin-bottom:0px;margin-top:6pt"></p>
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<td style="font-family:Trebuchet MS;text-align:justify;font-size:10pt;margin-bottom:0pt;margin-top:0pt;">Average <span style="white-space:nowrap">loan-to-deposit</span> ratio of 94.6% was stable with the third quarter 2019; <span style="white-space:nowrap">period-end</span>&#32;<span style="white-space:nowrap">loan-to-deposit</span> ratio of 95.0% compares to 94.5% in third quarter 2019.</td> </tr> </table> <p style="margin-bottom:0px;margin-top:6pt"></p>
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<td style="font-family:Trebuchet MS;text-align:justify;font-size:10pt;margin-bottom:0pt;margin-top:0pt;">NPLs to loans and leases ratio of 0.59% compares to 0.63% in third quarter 2019; allowance coverage of NPLs of 178% compares to 171% in third quarter 2019.</td> </tr> </table> <p style="color:#009B7A;font-family:Trebuchet MS;font-weight:bold;text-align:left;{ &quot;1&quot;: &quot;color:red&quot; }:2;text-decoration:underline;font-size:10pt;margin-bottom:0px;margin-top:8pt">2019 vs. 2018 </p> <p style="color:#009B7A;font-family:Trebuchet MS;font-weight:bold;text-align:left;{ &quot;1&quot;: &quot;color:red&quot; }:2;font-size:10pt;margin-bottom:0px;margin-top:8pt">Key Highlights </p> <p style="margin-bottom:0px;margin-top:6pt"></p>
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<td style="font-family:Trebuchet MS;text-align:justify;font-size:10pt;margin-bottom:0pt;margin-top:0pt;">Full year 2019 net income available to common stockholders of $1.7&#160;billion increased $26&#160;million, or 2%, with EPS of $3.81 up 8% from $3.52 in 2018.</td> </tr> </table> <p style="margin-bottom:0px;margin-top:6pt"></p>
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<td style="font-family:Trebuchet MS;text-align:justify;font-size:10pt;margin-bottom:0pt;margin-top:0pt;">2019 results reflect a net $17&#160;million <span style="white-space:nowrap">after-tax</span> reduction, or ($0.03) per fully diluted share, from notable items compared with a net $16&#160;million <span style="white-space:nowrap">after-tax</span> reduction, or ($0.04) per share, in 2018.</td> </tr> </table> <p style="margin-bottom:0px;margin-top:6pt"></p>
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<td style="font-family:Trebuchet MS;text-align:justify;font-size:10pt;margin-bottom:0pt;margin-top:0pt;">On an Underlying basis, full year 2019 net income available to common stockholders of $1.7&#160;billion increased 2% and diluted EPS of $3.84 increased 8% from 2018 levels.</td> </tr> </table> <p style="margin-bottom:0px;margin-top:6pt"></p>
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<td style="font-family:Trebuchet MS;text-align:justify;font-size:10pt;margin-bottom:0pt;margin-top:0pt;">ROTCE of 12.6% compares with 12.9%. Underlying ROTCE of 12.8% compares with 13.1% and reflects an approximate 50 basis point drag from higher tangible common equity value, given the positive impact of lower long-term rates on securities valuations.</td> </tr> </table> <p style="margin-bottom:0px;margin-top:6pt"></p>
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<td style="font-family:Trebuchet MS;text-align:justify;font-size:10pt;margin-bottom:0pt;margin-top:0pt;">Tangible book value per common share was $32.08, up 12%.</td> </tr> </table> <p style="color:#009B7A;font-family:Trebuchet MS;font-weight:bold;text-align:left;{ &quot;1&quot;: &quot;color:red&quot; }:2;font-size:10pt;margin-bottom:0px;margin-top:8pt">Results </p> <p style="margin-bottom:0px;margin-top:6pt"></p>
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<td style="font-family:Trebuchet MS;text-align:justify;font-size:10pt;margin-bottom:0pt;margin-top:0pt;">Total revenue of $6.5&#160;billion increased $363&#160;million, or 6%, driven by a 2% increase in net interest income and a 18% increase in noninterest income. Underlying total revenue, before the impact of Acquisitions, of $6.3&#160;billion, increased $198&#160;million, or 3.3%.</td> </tr> </table> <p style="margin-bottom:0px;margin-top:6pt"></p>
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<td style="font-family:Trebuchet MS;text-align:justify;font-size:10pt;margin-bottom:0pt;margin-top:0pt;">Net interest income results reflect 4% average loan growth and a 6 basis point decline in net interest margin given the challenging yield curve environment.</td> </tr> </table> <p style="margin-bottom:0px;margin-top:6pt"></p>
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<td style="font-family:Trebuchet MS;text-align:justify;font-size:10pt;margin-bottom:0pt;margin-top:0pt;">Noninterest income of $1.9&#160;billion increased 18% with record results in mortgage banking, capital markets, foreign exchange and interest rate products, card fees and trust and investment services fees. Before the impact of Acquisitions, noninterest income increased 9%.</td> </tr> </table> <p style="margin-bottom:0px;margin-top:6pt"></p>
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<td style="font-family:Trebuchet MS;text-align:justify;font-size:10pt;margin-bottom:0pt;margin-top:0pt;">Noninterest expense of $3.8&#160;billion increased 6% driven by the $103&#160;million impact of Acquisitions and notable items. Before the impact of notable items and Acquisitions, noninterest expense of $3.6&#160;billion increased 3.6% and included the impact of continued investments to diversify our platform and drive future revenue growth.</td> </tr> </table> <p style="margin-bottom:0px;margin-top:6pt"></p>
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<td style="font-family:Trebuchet MS;text-align:justify;font-size:10pt;margin-bottom:0pt;margin-top:0pt;">Efficiency ratio of 59.3% compares with 59.1% for 2018. On an Underlying basis, the efficiency ratio of 58.2% compares to 58.1% in 2018.</td> </tr> </table> <div></div> <p style="margin-top:1em;margin-bottom:0em"></p>
 <div style="width:100%"> <p style="font-family:Trebuchet MS;text-align:center;font-size:10pt;margin-bottom:0pt;margin-top:0pt">7</p> <div></div> </div>

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 <div style="font-size:10pt;width:100%"> <p style="color:#009B7A;font-family:Trebuchet MS;font-weight:bold;text-align:left;{ &quot;1&quot;: &quot;color:red&quot; }:2;font-size:10pt;margin-bottom:0pt;margin-top:0pt">Balance Sheet </p> <p style="margin-bottom:0px;margin-top:6pt"></p>
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<td style="font-family:Trebuchet MS;text-align:justify;font-size:10pt;margin-bottom:0pt;margin-top:0pt;">Average interest-earning assets increased $5.5&#160;billion, or 3.9%, driven by 3.9% loan growth, with 5.2% loan growth in commercial and 2.7% loan growth in retail. Loan growth was 4.5% before the impact of 2019 loan sales activity tied to Balance Sheet Optimization initiatives.</td> </tr> </table> <p style="margin-bottom:0px;margin-top:6pt"></p>
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<td style="font-family:Trebuchet MS;text-align:justify;font-size:10pt;margin-bottom:0pt;margin-top:0pt;">Average deposits increased $7.4&#160;billion, or 6%, reflecting growth in savings, term deposits and checking with interest.</td> </tr> </table> <p style="margin-bottom:0px;margin-top:6pt"></p>
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<td style="font-family:Trebuchet MS;text-align:justify;font-size:10pt;margin-bottom:0pt;margin-top:0pt;">The average <span style="white-space:nowrap">loan-to-deposit</span> ratio improved to 95.6% from 97.9%; <span style="white-space:nowrap">period-end</span>&#32;<span style="white-space:nowrap">loan-to-deposit</span> ratio improved to 95.0% from 97.6%.</td> </tr> </table> <p style="margin-bottom:0px;margin-top:6pt"></p>
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<td style="font-family:Trebuchet MS;text-align:justify;font-size:10pt;margin-bottom:0pt;margin-top:0pt;">Nonperforming loans and leases (&#8220;NPLs&#8221;) to loans and leases ratio of 0.59% improved from 0.66%, reflecting a decrease in retail, partially offset by an increase in commercial.</td> </tr> </table> <p style="margin-bottom:0px;margin-top:6pt"></p>
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<td style="font-family:Trebuchet MS;text-align:justify;font-size:10pt;margin-bottom:0pt;margin-top:0pt;">Allowance coverage of NPLs of 178% improved from 162%.</td> </tr> </table> <p style="margin-bottom:0px;margin-top:6pt"></p>
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<td style="font-family:Trebuchet MS;text-align:justify;font-size:10pt;margin-bottom:0pt;margin-top:0pt;">Capital remains strong, with a CET1 risk-based capital ratio of 10.0%, compared with 10.6% at <span style="white-space:nowrap">year-end</span> 2018.</td> </tr> </table> <p style="margin-bottom:0px;margin-top:6pt"></p>
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<td style="font-family:Trebuchet MS;text-align:justify;font-size:10pt;margin-bottom:0pt;margin-top:0pt;">Repurchased 34&#160;million shares of common stock at a weighted-average price of $35.56, and including common dividends, returned $1.84&#160;billion to common shareholders, up 23%.</td> </tr> </table> <div></div> <p style="margin-top:1em;margin-bottom:0em"></p>
 <div style="width:100%"> <p style="font-family:Trebuchet MS;text-align:center;font-size:10pt;margin-bottom:0pt;margin-top:0pt">8</p> <div></div> </div>

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<td colspan="26" style="border-bottom:1pt solid #000000;vertical-align:bottom;"> <p style="font-family:Trebuchet MS;font-weight:bold;text-align:center;font-size:8pt;margin-bottom:0pt;margin-top:0pt">Quarterly Trends </p> </td>
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<td style="vertical-align:bottom;font-weight:bold;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td colspan="2" style="border-bottom:1pt solid #000000;vertical-align:bottom;"> <p style="font-family:Trebuchet MS;font-weight:bold;text-align:center;font-size:8pt;margin-bottom:0pt;margin-top:0pt">$ </p> </td>
<td style="vertical-align:bottom;font-weight:bold;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td colspan="2" style="border-bottom:1pt solid #000000;vertical-align:bottom;"> <p style="font-family:Trebuchet MS;font-weight:bold;text-align:center;font-size:8pt;margin-bottom:0pt;margin-top:0pt">$ </p> </td>
<td style="vertical-align:bottom;font-weight:bold;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td colspan="2" style="border-bottom:1pt solid #000000;vertical-align:bottom;"> <p style="font-family:Trebuchet MS;font-weight:bold;text-align:center;font-size:8pt;margin-bottom:0pt;margin-top:0pt">$ </p> </td>
<td style="vertical-align:bottom;font-weight:bold;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td> </tr>
<tr style="background-color:#cceeff;page-break-inside:avoid;font-size:8pt;">
<td style="vertical-align:top;padding:0;"> <p style="font-family:Trebuchet MS;margin-left:0.00em;text-align:left;text-indent:0.00em;font-size:8pt;margin-bottom:0pt;margin-top:0pt">Net interest income </p> </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">$</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">1,143 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">$</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">1,145 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">$</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">1,172 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">$</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">(2</p> </td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">) </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">&#160;&#160;&#160;&#160;&#8212;&#160;&#160;</p> </td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">&#160;&#160;% </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">$</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">(29</p> </td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">) </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">(2</p> </td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">)&#160;&#160;% </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">$</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">4,614 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">$</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">4,532 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">$</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">82 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td> </tr>
<tr style="page-break-inside:avoid;font-size:8pt;">
<td style="vertical-align:top;padding:0;"> <p style="font-family:Trebuchet MS;margin-left:0.00em;text-align:left;text-indent:0.00em;font-size:8pt;margin-bottom:0pt;margin-top:0pt">Noninterest income </p> </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">494 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">493 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">421 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">1 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">&#8212;&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">73 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">17 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">1,877 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">1,596 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">281 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td> </tr>
<tr style="background-color:#cceeff;page-break-inside:avoid;font-size:8pt;">
<td style="vertical-align:top;padding:0;"> <p style="font-family:Trebuchet MS;margin-left:0.00em;text-align:left;text-indent:0.00em;font-size:8pt;margin-bottom:0pt;margin-top:0pt">Total revenue </p> </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">1,637 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">1,638 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">1,593 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">(1</p> </td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">) </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">&#8212;&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">44 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">3 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">6,491 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">6,128 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">363 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td> </tr>
<tr style="page-break-inside:avoid;font-size:8pt;">
<td style="vertical-align:top;padding:0;"> <p style="font-family:Trebuchet MS;margin-left:0.00em;text-align:left;text-indent:0.00em;font-size:8pt;margin-bottom:0pt;margin-top:0pt">Noninterest expense </p> </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">986 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">973 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">951 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">13 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">1 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">35 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">4 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">3,847 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">3,619 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">228 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td> </tr>
<tr style="background-color:#cceeff;page-break-inside:avoid;font-size:8pt;">
<td style="vertical-align:top;padding:0;"> <p style="font-family:Trebuchet MS;margin-left:0.00em;text-align:left;text-indent:0.00em;font-size:8pt;margin-bottom:0pt;margin-top:0pt"> <span style="white-space:nowrap">Pre-provision</span> profit </p> </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">651 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">665 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">642 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">(14</p> </td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">) </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">(2</p> </td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">) </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">9 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">1 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">2,644 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">2,509 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">135 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td> </tr>
<tr style="page-break-inside:avoid;font-size:8pt;">
<td style="vertical-align:top;padding:0;"> <p style="font-family:Trebuchet MS;margin-left:0.00em;text-align:left;text-indent:0.00em;font-size:8pt;margin-bottom:0pt;margin-top:0pt">Provision for credit losses </p> </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">110 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">101 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">85 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">9 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">9 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">25 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">29 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">393 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">326 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">67 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td> </tr>
<tr style="font-size:0pt;page-break-inside:avoid;">
<td colspan="13" style="border-bottom:1px solid #000000;vertical-align:bottom;">&#160;</td>
<td>&#160;</td>
<td colspan="6" style="border-bottom:1px solid #000000;vertical-align:bottom;">&#160;</td>
<td>&#160;</td>
<td>&#160;</td>
<td colspan="6" style="border-bottom:1px solid #000000;vertical-align:bottom;">&#160;</td>
<td>&#160;</td>
<td>&#160;</td>
<td colspan="6" style="border-bottom:1px solid #000000;vertical-align:bottom;">&#160;</td>
<td>&#160;</td>
<td>&#160;</td>
<td style="border-bottom:1px solid #000000;vertical-align:bottom;">&#160;</td>
<td style="border-bottom:1px solid #000000;vertical-align:bottom;">&#160;</td>
<td style="padding-right:2pt;vertical-align:bottom;">&#160;</td> </tr>
<tr style="background-color:#cceeff;page-break-inside:avoid;font-size:8pt;">
<td style="vertical-align:top;padding:0;"> <p style="font-family:Trebuchet MS;margin-left:0.00em;text-align:left;text-indent:0.00em;font-size:8pt;margin-bottom:0pt;margin-top:0pt">Net income </p> </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">450 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">449 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">465 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">1 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">&#8212;&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">(15</p> </td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">) </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">(3</p> </td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">) </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">1,791 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">1,721 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">70 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td> </tr>
<tr style="page-break-inside:avoid;font-size:8pt;">
<td style="vertical-align:top;padding:0;"> <p style="font-family:Trebuchet MS;margin-left:0.00em;text-align:left;text-indent:0.00em;font-size:8pt;margin-bottom:0pt;margin-top:0pt">Preferred dividends </p> </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">23 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">17 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">15 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">6 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">35 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">8 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">53 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">73 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">29 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">44 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td> </tr>
<tr style="background-color:#cceeff;page-break-inside:avoid;font-size:8pt;">
<td style="vertical-align:top;padding:0;"> <p style="font-family:Trebuchet MS;margin-left:0.00em;text-align:left;text-indent:0.00em;font-size:8pt;margin-bottom:0pt;margin-top:0pt">Net income available to common stockholders </p> </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">$</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">&#160;&#160;&#160;&#160;&#160;427 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">$</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">&#160;&#160;&#160;&#160;&#160;432 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">$</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">&#160;&#160;&#160;&#160;&#160;450 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">$</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">(5</p> </td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">) </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">(1&#160;</p> </td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">)% </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">$</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">(23</p> </td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">) </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">(5&#160;&#160;</p> </td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">)% </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">$</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">&#160;&#160;&#160;&#160;&#160;1,718 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">$</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">1,692 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">$</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">26 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td> </tr>
<tr style="font-size:0pt;page-break-inside:avoid;">
<td colspan="13" style="border-bottom:1px solid #000000;vertical-align:bottom;">&#160;</td>
<td>&#160;</td>
<td colspan="6" style="border-bottom:1px solid #000000;vertical-align:bottom;">&#160;</td>
<td>&#160;</td>
<td>&#160;</td>
<td colspan="6" style="border-bottom:1px solid #000000;vertical-align:bottom;">&#160;</td>
<td>&#160;</td>
<td>&#160;</td>
<td colspan="6" style="border-bottom:1px solid #000000;vertical-align:bottom;">&#160;</td>
<td>&#160;</td>
<td>&#160;</td>
<td style="border-bottom:1px solid #000000;vertical-align:bottom;">&#160;</td>
<td style="border-bottom:1px solid #000000;vertical-align:bottom;">&#160;</td>
<td style="padding-right:2pt;vertical-align:bottom;">&#160;</td> </tr>
<tr style="page-break-inside:avoid;font-size:8pt;">
<td style="vertical-align:top;padding:0;"> <p style="font-family:Trebuchet MS;margin-left:0.00em;text-align:left;text-indent:0.00em;font-size:8pt;margin-bottom:0pt;margin-top:0pt"> <span style="white-space:nowrap">After-tax</span> notable Items </p> </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">4 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">4 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">9 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">&#8212;&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">&#8212;&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">(5</p> </td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">) </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">(56</p> </td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">) </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">17 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">16 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">1 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td> </tr>
<tr style="font-size:0pt;page-break-inside:avoid;">
<td colspan="13" style="border-bottom:1px solid #000000;vertical-align:bottom;">&#160;</td>
<td>&#160;</td>
<td colspan="6" style="border-bottom:1px solid #000000;vertical-align:bottom;">&#160;</td>
<td>&#160;</td>
<td>&#160;</td>
<td colspan="6" style="border-bottom:1px solid #000000;vertical-align:bottom;">&#160;</td>
<td>&#160;</td>
<td>&#160;</td>
<td colspan="6" style="border-bottom:1px solid #000000;vertical-align:bottom;">&#160;</td>
<td>&#160;</td>
<td>&#160;</td>
<td style="border-bottom:1px solid #000000;vertical-align:bottom;">&#160;</td>
<td style="border-bottom:1px solid #000000;vertical-align:bottom;">&#160;</td>
<td style="padding-right:2pt;vertical-align:bottom;">&#160;</td> </tr>
<tr style="background-color:#cceeff;page-break-inside:avoid;font-size:8pt;">
<td style="vertical-align:top;padding:0;"> <p style="font-family:Trebuchet MS;margin-left:0.00em;text-align:left;text-indent:0.00em;font-size:8pt;margin-bottom:0pt;margin-top:0pt">Underlying net income </p> </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">$</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">454 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">$</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">453 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">$</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">474 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">$</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">1 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">&#8212;&#160;&#160;</p> </td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">&#160;&#160;% </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">$</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">(20</p> </td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">) </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">(4</p> </td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">)&#160;&#160;% </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">$</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">1,808 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">$</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">1,737 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">$</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">71 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td> </tr>
<tr style="page-break-inside:avoid;font-size:8pt;">
<td style="vertical-align:top;padding:0;"> <p style="font-family:Trebuchet MS;margin-left:0.00em;text-align:left;text-indent:0.00em;font-size:8pt;margin-bottom:0pt;margin-top:0pt">Underlying net income available to common stockholders </p> </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">$</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">431 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">$</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">436 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">$</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">459 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">$</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">(5</p> </td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">) </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">(1</p> </td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">)&#160;% &#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">$</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">(28</p> </td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">) </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">(6</p> </td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">)&#160;&#160;% </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">$</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">1,735 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">$</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">1,708 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">$</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">27 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td> </tr>
<tr style="font-size:0pt;page-break-inside:avoid;">
<td colspan="13" style="border-bottom:1px solid #000000;vertical-align:bottom;">&#160;</td>
<td>&#160;</td>
<td colspan="6" style="border-bottom:1px solid #000000;vertical-align:bottom;">&#160;</td>
<td>&#160;</td>
<td>&#160;</td>
<td colspan="6" style="border-bottom:1px solid #000000;vertical-align:bottom;">&#160;</td>
<td>&#160;</td>
<td>&#160;</td>
<td colspan="6" style="border-bottom:1px solid #000000;vertical-align:bottom;">&#160;</td>
<td>&#160;</td>
<td>&#160;</td>
<td style="border-bottom:1px solid #000000;vertical-align:bottom;">&#160;</td>
<td style="border-bottom:1px solid #000000;vertical-align:bottom;">&#160;</td>
<td style="padding-right:2pt;vertical-align:bottom;">&#160;</td> </tr>
<tr style="background-color:#cceeff;page-break-inside:avoid;font-size:8pt;">
<td style="vertical-align:top;padding:0;"> <p style="font-family:Trebuchet MS;font-weight:bold;margin-left:0.00em;text-align:left;text-indent:0.00em;font-size:8pt;margin-bottom:0pt;margin-top:0pt">Average common shares outstanding </p> </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt"></p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt"></p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt"></p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt"></p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt"></p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt"></p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt"></p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt"></p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt"></p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt"></p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td> </tr>
<tr style="page-break-inside:avoid;font-size:8pt;">
<td style="vertical-align:top;padding:0;"> <p style="font-family:Trebuchet MS;margin-left:2.00em;text-align:left;text-indent:-1.00em;font-size:8pt;margin-bottom:0pt;margin-top:0pt">Basic (in millions) </p> </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">434.7 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">445.7 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">467.3 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">(11.0</p> </td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">) </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">(2</p> </td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">) </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">(32.7</p> </td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">) </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">(7</p> </td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">) </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">449.7 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">478.8 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">(29.1</p> </td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">) </td> </tr>
<tr style="background-color:#cceeff;page-break-inside:avoid;font-size:8pt;">
<td style="vertical-align:top;padding:0;"> <p style="font-family:Trebuchet MS;margin-left:2.00em;text-align:left;text-indent:-1.00em;font-size:8pt;margin-bottom:0pt;margin-top:0pt">Diluted (in millions) </p> </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">436.5 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">447.1 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">469.1 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">(10.6</p> </td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">) </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">(2</p> </td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">) </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">(32.6</p> </td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">) </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">(7</p> </td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">) </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">451.2 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">480.4 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">(29.2</p> </td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">) </td> </tr>
<tr style="page-break-inside:avoid;font-size:8pt;">
<td style="vertical-align:top;padding:0;"> <p style="font-family:Trebuchet MS;margin-left:0.00em;text-align:left;text-indent:0.00em;font-size:8pt;margin-bottom:0pt;margin-top:0pt">Diluted earnings per share </p> </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">$</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">0.98 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">$</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">0.97 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">$</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">0.96 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">$</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">0.01 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">1</p> </td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">&#160;&#160;% </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">$</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">0.02 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">2</p> </td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">&#160;&#160;%&#32;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">$</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">3.81 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">$</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">3.52 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">$</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">0.29 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td> </tr>
<tr style="font-size:0pt;page-break-inside:avoid;">
<td colspan="13" style="border-bottom:1px solid #000000;vertical-align:bottom;">&#160;</td>
<td>&#160;</td>
<td colspan="6" style="border-bottom:1px solid #000000;vertical-align:bottom;">&#160;</td>
<td>&#160;</td>
<td>&#160;</td>
<td colspan="6" style="border-bottom:1px solid #000000;vertical-align:bottom;">&#160;</td>
<td>&#160;</td>
<td>&#160;</td>
<td colspan="6" style="border-bottom:1px solid #000000;vertical-align:bottom;">&#160;</td>
<td>&#160;</td>
<td>&#160;</td>
<td style="border-bottom:1px solid #000000;vertical-align:bottom;">&#160;</td>
<td style="border-bottom:1px solid #000000;vertical-align:bottom;">&#160;</td>
<td style="padding-right:2pt;vertical-align:bottom;">&#160;</td> </tr>
<tr style="background-color:#cceeff;page-break-inside:avoid;font-size:8pt;">
<td style="vertical-align:top;padding:0;"> <p style="font-family:Trebuchet MS;margin-left:0.00em;text-align:left;text-indent:0.00em;font-size:8pt;margin-bottom:0pt;margin-top:0pt">Underlying diluted earnings per share </p> </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">$</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">0.99 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">$</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">0.98 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">$</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">0.98 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">$</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">0.01 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">1</p> </td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">&#160;&#160;% </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">$</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">0.01 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">1</p> </td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">&#160;&#160;% </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">$</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">3.84 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">$</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">3.56 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">$</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">0.28 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td> </tr>
<tr style="font-size:0pt;page-break-inside:avoid;">
<td colspan="13" style="border-bottom:1px solid #000000;vertical-align:bottom;">&#160;</td>
<td>&#160;</td>
<td colspan="6" style="border-bottom:1px solid #000000;vertical-align:bottom;">&#160;</td>
<td>&#160;</td>
<td>&#160;</td>
<td colspan="6" style="border-bottom:1px solid #000000;vertical-align:bottom;">&#160;</td>
<td>&#160;</td>
<td>&#160;</td>
<td colspan="6" style="border-bottom:1px solid #000000;vertical-align:bottom;">&#160;</td>
<td>&#160;</td>
<td>&#160;</td>
<td style="border-bottom:1px solid #000000;vertical-align:bottom;">&#160;</td>
<td style="border-bottom:1px solid #000000;vertical-align:bottom;">&#160;</td>
<td style="padding-right:2pt;vertical-align:bottom;">&#160;</td> </tr>
<tr style="page-break-inside:avoid;font-size:8pt;">
<td style="vertical-align:top;padding:0;"> <p style="font-family:Trebuchet MS;font-weight:bold;margin-left:0.00em;text-align:left;text-indent:0.00em;font-size:8pt;margin-bottom:0pt;margin-top:0pt">Key performance metrics* </p> </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt"></p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt"></p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt"></p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt"></p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt"></p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt"></p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt"></p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt"></p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt"></p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt"></p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td> </tr>
<tr style="background-color:#cceeff;page-break-inside:avoid;font-size:8pt;">
<td style="vertical-align:top;padding:0;"> <p style="font-family:Trebuchet MS;margin-left:0.00em;text-align:left;text-indent:0.00em;font-size:8pt;margin-bottom:0pt;margin-top:0pt">Net interest margin </p> </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">3.04</p> </td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">&#160;&#160;% </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">3.10</p> </td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">&#160;&#160;% </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">3.23</p> </td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">&#160;&#160;% </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">(6&#160;bps </p> </td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">)</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt"></p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">(19&#160;bps </p> </td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">)</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt"></p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">3.14</p> </td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">&#160;&#160;% </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">3.21</p> </td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">&#160;&#160;% </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">(7&#160;bps </p> </td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">)</td> </tr>
<tr style="page-break-inside:avoid;font-size:8pt;">
<td style="vertical-align:top;padding:0;"> <p style="font-family:Trebuchet MS;margin-left:0.00em;text-align:left;text-indent:0.00em;font-size:8pt;margin-bottom:0pt;margin-top:0pt">Net interest margin, FTE </p> </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">3.06 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">3.12 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">3.25 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">(6</p> </td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">) </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt"></p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">(19</p> </td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">) </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt"></p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">3.16 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">3.22 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">(6</p> </td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">) </td> </tr>
<tr style="background-color:#cceeff;page-break-inside:avoid;font-size:8pt;">
<td style="vertical-align:top;padding:0;"> <p style="font-family:Trebuchet MS;margin-left:0.00em;text-align:left;text-indent:0.00em;font-size:8pt;margin-bottom:0pt;margin-top:0pt">Effective income tax rate </p> </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">16.8 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">20.5 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">16.5 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">(370</p> </td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">) </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt"></p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">31 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt"></p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">20.4 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">21.2 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">(73</p> </td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">) </td> </tr>
<tr style="page-break-inside:avoid;font-size:8pt;">
<td style="vertical-align:top;padding:0;"> <p style="font-family:Trebuchet MS;margin-left:0.00em;text-align:left;text-indent:0.00em;font-size:8pt;margin-bottom:0pt;margin-top:0pt">Efficiency ratio </p> </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">60 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">59 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">60 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">88 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt"></p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">59 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt"></p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">59 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">59 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">22 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td> </tr>
<tr style="background-color:#cceeff;page-break-inside:avoid;font-size:8pt;">
<td style="vertical-align:top;padding:0;"> <p style="font-family:Trebuchet MS;margin-left:0.00em;text-align:left;text-indent:0.00em;font-size:8pt;margin-bottom:0pt;margin-top:0pt">Underlying efficiency ratio </p> </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">58 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">58 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">57 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">(20</p> </td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">) </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt"></p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">132 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt"></p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">58 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">58 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">10 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td> </tr>
<tr style="page-break-inside:avoid;font-size:8pt;">
<td style="vertical-align:top;padding:0;"> <p style="font-family:Trebuchet MS;margin-left:0.00em;text-align:left;text-indent:0.00em;font-size:8pt;margin-bottom:0pt;margin-top:0pt">Return on average common equity </p> </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">8.3 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">8.4 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">9.2 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">(5</p> </td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">) </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt"></p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">(86</p> </td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">) </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt"></p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">8.5 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">8.6 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">(17</p> </td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">) </td> </tr>
<tr style="background-color:#cceeff;page-break-inside:avoid;font-size:8pt;">
<td style="vertical-align:top;padding:0;"> <p style="font-family:Trebuchet MS;margin-left:0.00em;text-align:left;text-indent:0.00em;font-size:8pt;margin-bottom:0pt;margin-top:0pt">Return on average tangible common equity </p> </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">12.4 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">12.4 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">13.8 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">(5</p> </td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">) </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt"></p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">(146</p> </td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">) </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt"></p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">12.6 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">12.9 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">(30</p> </td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">) </td> </tr>
<tr style="page-break-inside:avoid;font-size:8pt;">
<td style="vertical-align:top;padding:0;"> <p style="font-family:Trebuchet MS;margin-left:0.00em;text-align:left;text-indent:0.00em;font-size:8pt;margin-bottom:0pt;margin-top:0pt">Underlying return on average tangible common equity </p> </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">12.5 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">12.6 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">14.1 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">(9</p> </td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">) </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt"></p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">(162</p> </td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">) </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt"></p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">12.8 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">13.1 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">(30</p> </td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">) </td> </tr>
<tr style="background-color:#cceeff;page-break-inside:avoid;font-size:8pt;">
<td style="vertical-align:top;padding:0;"> <p style="font-family:Trebuchet MS;margin-left:0.00em;text-align:left;text-indent:0.00em;font-size:8pt;margin-bottom:0pt;margin-top:0pt">Return on average total assets </p> </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">1.08 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">1.10 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">1.17 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">(2</p> </td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">) </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt"></p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">(9</p> </td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">) </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt"></p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">1.10 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">1.11 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">(1</p> </td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">) </td> </tr>
<tr style="page-break-inside:avoid;font-size:8pt;">
<td style="vertical-align:top;padding:0;"> <p style="font-family:Trebuchet MS;margin-left:0.00em;text-align:left;text-indent:0.00em;font-size:8pt;margin-bottom:0pt;margin-top:0pt">Underlying return on average total tangible assets </p> </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">1.14</p> </td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">&#160;&#160;% </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">1.16</p> </td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">&#160;&#160;% </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">1.24</p> </td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">&#160;&#160;% </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">(2&#160;bps </p> </td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">)</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt"></p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">(10&#160;bps </p> </td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">)</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt"></p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">1.16</p> </td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">&#160;&#160;% </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">1.17</p> </td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">&#160;&#160;% </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">(1</p> </td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">)&#160;bps &#160;</td> </tr>
<tr style="font-size:0pt;page-break-inside:avoid;">
<td colspan="13" style="border-bottom:1px solid #000000;vertical-align:bottom;">&#160;</td>
<td>&#160;</td>
<td colspan="6" style="border-bottom:1px solid #000000;vertical-align:bottom;">&#160;</td>
<td>&#160;</td>
<td>&#160;</td>
<td colspan="6" style="border-bottom:1px solid #000000;vertical-align:bottom;">&#160;</td>
<td>&#160;</td>
<td>&#160;</td>
<td colspan="6" style="border-bottom:1px solid #000000;vertical-align:bottom;">&#160;</td>
<td>&#160;</td>
<td>&#160;</td>
<td style="border-bottom:1px solid #000000;vertical-align:bottom;">&#160;</td>
<td style="border-bottom:1px solid #000000;vertical-align:bottom;">&#160;</td>
<td style="padding-right:2pt;vertical-align:bottom;">&#160;</td> </tr>
<tr style="background-color:#cceeff;page-break-inside:avoid;font-size:8pt;">
<td style="vertical-align:top;padding:0;"> <p style="font-family:Trebuchet MS;font-weight:bold;margin-left:0.00em;text-align:left;text-indent:0.00em;font-size:8pt;margin-bottom:0pt;margin-top:0pt">Capital adequacy<sup style="font-size:85%;vertical-align:top">(1,2)</sup></p> </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt"></p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt"></p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt"></p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt"></p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt"></p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt"></p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt"></p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt"></p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt"></p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt"></p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td> </tr>
<tr style="page-break-inside:avoid;font-size:8pt;">
<td style="vertical-align:top;padding:0;"> <p style="font-family:Trebuchet MS;margin-left:0.00em;text-align:left;text-indent:0.00em;font-size:8pt;margin-bottom:0pt;margin-top:0pt">Common equity tier 1 capital ratio </p> </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">10.0</p> </td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">&#160;&#160;% </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">10.3</p> </td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">&#160;&#160;% </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">10.6</p> </td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">&#160;&#160;% </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt"></p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt"></p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt"></p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt"></p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">10.0</p> </td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">&#160;&#160;% </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">10.6</p> </td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">&#160;&#160;% </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt"></p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td> </tr>
<tr style="background-color:#cceeff;page-break-inside:avoid;font-size:8pt;">
<td style="vertical-align:top;padding:0;"> <p style="font-family:Trebuchet MS;margin-left:0.00em;text-align:left;text-indent:0.00em;font-size:8pt;margin-bottom:0pt;margin-top:0pt">Total capital ratio </p> </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">13.0 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">13.0 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">13.3 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt"></p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt"></p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt"></p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt"></p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">13.0 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">13.3 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt"></p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td> </tr>
<tr style="page-break-inside:avoid;font-size:8pt;">
<td style="vertical-align:top;padding:0;"> <p style="font-family:Trebuchet MS;margin-left:0.00em;text-align:left;text-indent:0.00em;font-size:8pt;margin-bottom:0pt;margin-top:0pt">Tier 1 leverage ratio </p> </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">10.0</p> </td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">&#160;&#160;% </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">9.9</p> </td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">&#160;&#160;% </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">10.0</p> </td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">&#160;&#160;% </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt"></p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt"></p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt"></p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt"></p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">10.0</p> </td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">&#160;&#160;% </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">10.0</p> </td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">&#160;&#160;% </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt"></p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td> </tr>
<tr style="font-size:0pt;page-break-inside:avoid;">
<td colspan="13" style="border-bottom:1px solid #000000;vertical-align:bottom;">&#160;</td>
<td>&#160;</td>
<td colspan="6" style="vertical-align:bottom;">&#160;</td>
<td>&#160;</td>
<td>&#160;</td>
<td colspan="6" style="vertical-align:bottom;">&#160;</td>
<td>&#160;</td>
<td>&#160;</td>
<td colspan="6" style="border-bottom:1px solid #000000;vertical-align:bottom;">&#160;</td>
<td>&#160;</td>
<td>&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;padding-right:2pt;">&#160;</td> </tr>
<tr style="background-color:#cceeff;page-break-inside:avoid;font-size:8pt;">
<td style="vertical-align:top;padding:0;"> <p style="font-family:Trebuchet MS;font-weight:bold;margin-left:0.00em;text-align:left;text-indent:0.00em;font-size:8pt;margin-bottom:0pt;margin-top:0pt">Asset quality<sup style="font-size:85%;vertical-align:top">(2)</sup></p> </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt"></p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt"></p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt"></p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt"></p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt"></p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt"></p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt"></p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt"></p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt"></p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt"></p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td> </tr>
<tr style="page-break-inside:avoid;font-size:8pt;">
<td style="vertical-align:top;padding:0;"> <p style="font-family:Trebuchet MS;margin-left:0.00em;text-align:left;text-indent:0.00em;font-size:8pt;margin-bottom:0pt;margin-top:0pt">Nonperforming loans and leases as a % of loans and leases </p> </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">0.59</p> </td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">&#160;&#160;% </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">0.63</p> </td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">&#160;&#160;% </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">0.66</p> </td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">&#160;&#160;% </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">(4&#160;bps </p> </td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">)</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt"></p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">(7&#160;bps </p> </td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">)</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt"></p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">0.59</p> </td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">&#160;&#160;% </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">0.66</p> </td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">&#160;&#160;% </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">(7)</p> </td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">&#160;bps &#160;</td> </tr>
<tr style="background-color:#cceeff;page-break-inside:avoid;font-size:8pt;">
<td style="vertical-align:top;padding:0;"> <p style="font-family:Trebuchet MS;margin-left:0.00em;text-align:left;text-indent:0.00em;font-size:8pt;margin-bottom:0pt;margin-top:0pt">Allowance for loan and lease losses as a % of loans and leases </p> </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">1.05 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">1.07 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">1.06 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">(2</p> </td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">) </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt"></p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">(1</p> </td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">) </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt"></p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">1.05 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">1.06 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">(1</p> </td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">) </td> </tr>
<tr style="page-break-inside:avoid;font-size:8pt;">
<td style="vertical-align:top;padding:0;"> <p style="font-family:Trebuchet MS;margin-left:0.00em;text-align:left;text-indent:0.00em;font-size:8pt;margin-bottom:0pt;margin-top:0pt">Allowance for loan and lease losses as a % of nonperforming loans and leases </p> </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">178 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">171 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">162 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">660 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt"></p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">1,579 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt"></p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">178 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">162 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">1,579 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td> </tr>
<tr style="background-color:#cceeff;page-break-inside:avoid;font-size:8pt;">
<td style="vertical-align:top;padding:0;"> <p style="font-family:Trebuchet MS;margin-left:0.00em;text-align:left;text-indent:0.00em;font-size:8pt;margin-bottom:0pt;margin-top:0pt">Net charge-offs as a % of average loans and leases </p> </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">0.41</p> </td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">&#160;&#160;% </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">0.38</p> </td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">&#160;&#160;% </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">0.29</p> </td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">&#160;&#160;% </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">3</p> </td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">&#160;bps &#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt"></p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">12</p> </td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">&#160;bps &#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt"></p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">0.36</p> </td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">&#160;&#160;% </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">0.28</p> </td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">&#160;&#160;% </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">8</p> </td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">&#160;bps &#160;</td> </tr>
<tr style="font-size:0pt;page-break-inside:avoid;">
<td colspan="13" style="border-bottom:1px solid #000000;vertical-align:bottom;">&#160;</td>
<td>&#160;</td>
<td colspan="14" style="border-bottom:1px solid #000000;vertical-align:bottom;">&#160;</td>
<td>&#160;</td>
<td>&#160;</td>
<td colspan="6" style="border-bottom:1px solid #000000;vertical-align:bottom;">&#160;</td>
<td>&#160;</td>
<td>&#160;</td>
<td style="border-bottom:1px solid #000000;vertical-align:bottom;">&#160;</td>
<td style="border-bottom:1px solid #000000;vertical-align:bottom;">&#160;</td>
<td style="padding-right:2pt;vertical-align:bottom;">&#160;</td> </tr> </table> <p style="font-family:Trebuchet MS;text-align:justify;font-size:7pt;margin-bottom:0pt;margin-top:0pt">1) Current reporting-period regulatory capital ratios are preliminary. </p> <p style="font-family:Trebuchet MS;text-align:justify;font-size:7pt;margin-bottom:0pt;margin-top:0pt">2) Capital adequacy and asset-quality ratios calculated on a <span style="white-space:nowrap">period-end</span> basis, except net charge-offs. </p> <div></div> <p style="margin-top:1em;margin-bottom:0em"></p>
 <div style="width:100%"> <p style="font-family:Trebuchet MS;text-align:center;font-size:10pt;margin-bottom:0pt;margin-top:0pt">9</p> <div></div> </div>

 </div>



<p style='page-break-before:always'> </p>
<hr style="color:#999999;height:3px;width:100%" />

 <div style="font-size:10pt;width:100%"> <p style="font-family:Trebuchet MS;font-weight:Bold;font-style:Italic;text-align:left;font-size:10pt;margin-bottom:0pt;margin-top:0pt">Notable items: </p> <p style="font-family:Trebuchet MS;text-align:justify;font-size:10pt;margin-bottom:0px;margin-top:6pt">2019 quarterly and fourth quarter 2018 results reflect notable items related to integration costs primarily tied to the August&#160;1, 2018 Franklin American Mortgage Company (&#8220;FAMC&#8221;) acquisition. Fourth quarter and full year 2019 and 2018 results also reflect costs related to strategic initiatives. Fourth quarter 2019 results also include a tax benefit largely tied to legacy tax matters. Fourth quarter 2018 results also include the impact of a further benefit resulting from December 2017 Tax Legislation, partially offset by other notable items primarily associated with TOP and real estate efficiency initiatives. These notable items have been excluded from reported results to better reflect Underlying operating results. </p> <p style="font-family:Trebuchet MS;text-align:justify;font-size:10pt;margin-bottom:0px;margin-top:12pt">Total estimated <span style="white-space:nowrap">after-tax</span> FAMC integration costs are expected to be in the <span style="white-space:nowrap">$40-$45</span>&#160;million range, with the integration substantially complete by second quarter 2020. Cumulative <span style="white-space:nowrap">after-tax</span> integration costs related to FAMC totaled $30&#160;million through the end of fourth quarter 2019. </p>
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<td style="width:1%;"></td> </tr>
<tr style="page-break-inside:avoid;font-size:8pt;">
<td style="white-space:nowrap;vertical-align:bottom;"> <p style="font-family:Trebuchet MS;font-weight:bold;text-align:left;font-size:8pt;margin-bottom:0pt;margin-top:0pt">Notable items - integration costs </p> </td>
<td style="vertical-align:bottom;">&#160;</td>
<td colspan="10" style="border-bottom:1pt solid #000000;vertical-align:bottom;"> <p style="font-family:Trebuchet MS;font-weight:bold;text-align:center;font-size:8pt;margin-bottom:0pt;margin-top:0pt">4Q19 </p> </td>
<td>&#160;</td>
<td>&#160;</td>
<td colspan="10" style="border-bottom:1pt solid #000000;vertical-align:bottom;"> <p style="font-family:Trebuchet MS;font-weight:bold;text-align:center;font-size:8pt;margin-bottom:0pt;margin-top:0pt">3Q19 </p> </td>
<td>&#160;</td>
<td>&#160;</td>
<td colspan="10" style="border-bottom:1pt solid #000000;vertical-align:bottom;"> <p style="font-family:Trebuchet MS;font-weight:bold;text-align:center;font-size:8pt;margin-bottom:0pt;margin-top:0pt">4Q18 </p> </td>
<td>&#160;</td>
<td>&#160;</td>
<td colspan="10" style="border-bottom:1pt solid #000000;vertical-align:bottom;"> <p style="font-family:Trebuchet MS;font-weight:bold;text-align:center;font-size:8pt;margin-bottom:0pt;margin-top:0pt">Cumulative<span style="white-space:nowrap">&#160;after-tax</span><br />integration&#160;costs </p> </td>
<td>&#160;</td> </tr>
<tr style="page-break-inside:avoid;font-size:8pt;">
<td style="vertical-align:bottom;"> <p style="font-family:Trebuchet MS;font-style:italic;text-align:left;font-size:8pt;margin-bottom:0pt;margin-top:0pt">($s in millions, except per share data) </p> </td>
<td style="vertical-align:bottom;">&#160;</td>
<td colspan="2" style="vertical-align:bottom;"> <p style="font-family:Trebuchet MS;font-weight:bold;text-align:center;font-size:8pt;margin-bottom:0pt;margin-top:0pt"> <span style="white-space:nowrap">Pre-tax </span> </p> </td>
<td style="vertical-align:bottom;font-weight:bold;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td colspan="2" style="vertical-align:bottom;"> <p style="font-family:Trebuchet MS;font-weight:bold;text-align:center;font-size:8pt;margin-bottom:0pt;margin-top:0pt"> <span style="white-space:nowrap">After-tax </span> </p> </td>
<td style="vertical-align:bottom;font-weight:bold;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td colspan="2" style="vertical-align:bottom;"> <p style="font-family:Trebuchet MS;font-weight:bold;text-align:center;font-size:8pt;margin-bottom:0pt;margin-top:0pt">EPS </p> </td>
<td style="vertical-align:bottom;font-weight:bold;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td colspan="2" style="vertical-align:bottom;"> <p style="font-family:Trebuchet MS;font-weight:bold;text-align:center;font-size:8pt;margin-bottom:0pt;margin-top:0pt"> <span style="white-space:nowrap">Pre-tax </span> </p> </td>
<td style="vertical-align:bottom;font-weight:bold;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td colspan="2" style="vertical-align:bottom;"> <p style="font-family:Trebuchet MS;font-weight:bold;text-align:center;font-size:8pt;margin-bottom:0pt;margin-top:0pt"> <span style="white-space:nowrap">After-tax </span> </p> </td>
<td style="vertical-align:bottom;font-weight:bold;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td colspan="2" style="vertical-align:bottom;"> <p style="font-family:Trebuchet MS;font-weight:bold;text-align:center;font-size:8pt;margin-bottom:0pt;margin-top:0pt">EPS </p> </td>
<td style="vertical-align:bottom;font-weight:bold;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td colspan="2" style="vertical-align:bottom;"> <p style="font-family:Trebuchet MS;font-weight:bold;text-align:center;font-size:8pt;margin-bottom:0pt;margin-top:0pt"> <span style="white-space:nowrap">Pre-tax </span> </p> </td>
<td style="vertical-align:bottom;font-weight:bold;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td colspan="2" style="vertical-align:bottom;"> <p style="font-family:Trebuchet MS;font-weight:bold;text-align:center;font-size:8pt;margin-bottom:0pt;margin-top:0pt"> <span style="white-space:nowrap">After-tax </span> </p> </td>
<td style="vertical-align:bottom;font-weight:bold;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td colspan="2" style="vertical-align:bottom;"> <p style="font-family:Trebuchet MS;font-weight:bold;text-align:center;font-size:8pt;margin-bottom:0pt;margin-top:0pt">EPS </p> </td>
<td style="vertical-align:bottom;font-weight:bold;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td colspan="2" style="vertical-align:bottom;"> <p style="font-family:Trebuchet MS;font-weight:bold;text-align:center;font-size:8pt;margin-bottom:0pt;margin-top:0pt">FAMC </p> </td>
<td style="vertical-align:bottom;font-weight:bold;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td colspan="2" style="vertical-align:bottom;"> <p style="font-family:Trebuchet MS;font-weight:bold;text-align:center;font-size:8pt;margin-bottom:0pt;margin-top:0pt">Other </p> </td>
<td style="vertical-align:bottom;font-weight:bold;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td colspan="2" style="vertical-align:bottom;"> <p style="font-family:Trebuchet MS;font-weight:bold;text-align:center;font-size:8pt;margin-bottom:0pt;margin-top:0pt">Total </p> </td>
<td style="vertical-align:bottom;font-weight:bold;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td> </tr>
<tr style="font-size:0pt;page-break-inside:avoid;">
<td colspan="13" style="border-bottom:1px solid #000000;vertical-align:bottom;">&#160;</td>
<td>&#160;</td>
<td colspan="10" style="border-bottom:1px solid #000000;vertical-align:bottom;">&#160;</td>
<td>&#160;</td>
<td>&#160;</td>
<td colspan="10" style="border-bottom:1px solid #000000;vertical-align:bottom;">&#160;</td>
<td>&#160;</td>
<td>&#160;</td>
<td colspan="10" style="border-bottom:1px solid #000000;vertical-align:bottom;">&#160;</td>
<td>&#160;</td> </tr>
<tr style="background-color:#cceeff;page-break-inside:avoid;font-size:8pt;">
<td style="vertical-align:top;padding:0;"> <p style="font-family:Trebuchet MS;margin-left:1.00em;text-align:left;text-indent:-1.00em;font-size:8pt;margin-bottom:0pt;margin-top:0pt">Noninterest income </p> </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">$</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">&#8212;&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">$</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">&#8212;&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">$</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">&#8212;&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">$</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">&#8212;&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">$</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">&#8212;&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">$</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">&#8212;&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">$</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">(4</p> </td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">) </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">$</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">(3</p> </td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">) </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">$</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">(0.01</p> </td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">) </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">$</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">(3</p> </td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">) </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">$</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">&#8212;&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">$</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">(3</p> </td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">) </td> </tr>
<tr style="page-break-inside:avoid;font-size:8pt;">
<td style="vertical-align:top;padding:0;"> <p style="font-family:Trebuchet MS;margin-left:2.00em;text-align:left;text-indent:-1.00em;font-size:8pt;margin-bottom:0pt;margin-top:0pt">Salaries&#160;&#038; benefits </p> </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">&#8212;&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">&#8212;&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">&#8212;&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">(1</p> </td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">) </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">(1</p> </td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">) </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">&#8212;&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">(4</p> </td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">) </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">(3</p> </td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">) </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">(0.01</p> </td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">) </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">(10</p> </td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">) </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">&#8212;&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">(10</p> </td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">) </td> </tr>
<tr style="background-color:#cceeff;page-break-inside:avoid;font-size:8pt;">
<td style="vertical-align:top;padding:0;"> <p style="font-family:Trebuchet MS;margin-left:2.00em;text-align:left;text-indent:-1.00em;font-size:8pt;margin-bottom:0pt;margin-top:0pt">Equipment&#160;&#038; software </p> </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">(1</p> </td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">) </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">(1</p> </td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">) </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">&#8212;&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">&#8212;&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">&#8212;&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">&#8212;&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">&#8212;&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">&#8212;&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">&#8212;&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">(1</p> </td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">) </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">&#8212;&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">(1</p> </td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">) </td> </tr>
<tr style="page-break-inside:avoid;font-size:8pt;">
<td style="vertical-align:top;padding:0;"> <p style="font-family:Trebuchet MS;margin-left:2.00em;text-align:left;text-indent:-1.00em;font-size:8pt;margin-bottom:0pt;margin-top:0pt">Outside services </p> </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">(1</p> </td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">) </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">(1</p> </td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">) </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">&#8212;&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">(3</p> </td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">) </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">(2</p> </td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">) </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">(0.01</p> </td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">) </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">(5</p> </td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">) </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">(4</p> </td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">) </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">(0.01</p> </td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">) </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">(12</p> </td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">) </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">(3</p> </td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">) </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">(15</p> </td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">) </td> </tr>
<tr style="background-color:#cceeff;page-break-inside:avoid;font-size:8pt;">
<td style="vertical-align:top;padding:0;"> <p style="font-family:Trebuchet MS;margin-left:2.00em;text-align:left;text-indent:-1.00em;font-size:8pt;margin-bottom:0pt;margin-top:0pt">Occupancy </p> </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">&#8212;&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">&#8212;&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">&#8212;&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">&#8212;&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">&#8212;&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">&#8212;&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">(2</p> </td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">) </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">(1</p> </td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">) </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">&#8212;&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">(1</p> </td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">) </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">&#8212;&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">(1</p> </td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">) </td> </tr>
<tr style="page-break-inside:avoid;font-size:8pt;">
<td style="vertical-align:top;padding:0;"> <p style="font-family:Trebuchet MS;margin-left:2.00em;text-align:left;text-indent:-1.00em;font-size:8pt;margin-bottom:0pt;margin-top:0pt">Other expense </p> </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">&#8212;&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">&#8212;&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">&#8212;&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">&#8212;&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">&#8212;&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">&#8212;&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">(1</p> </td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">) </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">(1</p> </td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">) </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">&#8212;&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">(3</p> </td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">) </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">&#8212;&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">(3</p> </td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">) </td> </tr>
<tr style="font-size:0pt;page-break-inside:avoid;">
<td colspan="13" style="border-bottom:1px solid #000000;vertical-align:bottom;">&#160;</td>
<td>&#160;</td>
<td colspan="10" style="border-bottom:1px solid #000000;vertical-align:bottom;">&#160;</td>
<td>&#160;</td>
<td>&#160;</td>
<td colspan="10" style="border-bottom:1px solid #000000;vertical-align:bottom;">&#160;</td>
<td>&#160;</td>
<td>&#160;</td>
<td colspan="10" style="border-bottom:1px solid #000000;vertical-align:bottom;">&#160;</td>
<td>&#160;</td> </tr>
<tr style="background-color:#cceeff;page-break-inside:avoid;font-size:8pt;">
<td style="vertical-align:top;padding:0;"> <p style="font-family:Trebuchet MS;margin-left:1.00em;text-align:left;text-indent:0.00em;font-size:8pt;margin-bottom:0pt;margin-top:0pt">Noninterest expense </p> </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">$</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">(2</p> </td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">) </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">$</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">(2</p> </td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">) </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">$</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">&#8212;&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">$</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">(4</p> </td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">) </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">$</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">(3</p> </td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">) </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">$</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">(0.01</p> </td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">) </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">$</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">(12</p> </td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">) </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">$</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">(9</p> </td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">) </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">$</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">(0.02</p> </td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">) </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">$</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">(27</p> </td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">) </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">(3</p> </td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">) </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">$</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">(30</p> </td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">) </td> </tr>
<tr style="font-size:0pt;page-break-inside:avoid;">
<td colspan="13" style="border-bottom:1px solid #000000;vertical-align:bottom;">&#160;</td>
<td>&#160;</td>
<td colspan="10" style="border-bottom:1px solid #000000;vertical-align:bottom;">&#160;</td>
<td>&#160;</td>
<td>&#160;</td>
<td colspan="10" style="border-bottom:1px solid #000000;vertical-align:bottom;">&#160;</td>
<td>&#160;</td>
<td>&#160;</td>
<td colspan="10" style="border-bottom:1px solid #000000;vertical-align:bottom;">&#160;</td>
<td>&#160;</td> </tr>
<tr style="page-break-inside:avoid;font-size:8pt;">
<td style="vertical-align:top;padding:0;"> <p style="font-family:Trebuchet MS;margin-left:0.00em;text-align:left;text-indent:0.00em;font-size:8pt;margin-bottom:0pt;margin-top:0pt">Total Integration costs </p> </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">$</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">(2</p> </td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">) </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">$</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">(2</p> </td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">) </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">$</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">&#8212;&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">$</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">(4</p> </td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">) </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">$</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">(3</p> </td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">) </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">$</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">(0.01</p> </td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">) </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">$</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">(16</p> </td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">) </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">$</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">(12</p> </td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">) </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">$</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">(0.03</p> </td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">) </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">$</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">(30</p> </td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">) </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">$</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">(3</p> </td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">) </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">$</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">(33</p> </td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">) </td> </tr>
<tr style="font-size:0pt;page-break-inside:avoid;">
<td colspan="13" style="border-bottom:1px solid #000000;vertical-align:bottom;">&#160;</td>
<td>&#160;</td>
<td colspan="10" style="border-bottom:1px solid #000000;vertical-align:bottom;">&#160;</td>
<td>&#160;</td>
<td>&#160;</td>
<td colspan="10" style="border-bottom:1px solid #000000;vertical-align:bottom;">&#160;</td>
<td>&#160;</td>
<td>&#160;</td>
<td colspan="10" style="border-bottom:1px solid #000000;vertical-align:bottom;">&#160;</td>
<td>&#160;</td> </tr>
<tr style="font-size:1pt;">
<td style="height:16px;">&#160;</td>
<td style="height:16px;">&#160;</td>
<td colspan="10" style="height:16px;">&#160;</td>
<td style="height:16px;">&#160;</td>
<td style="height:16px;">&#160;</td>
<td colspan="10" style="height:16px;">&#160;</td>
<td style="height:16px;">&#160;</td>
<td style="height:16px;">&#160;</td>
<td colspan="10" style="height:16px;">&#160;</td>
<td style="height:16px;">&#160;</td>
<td style="height:16px;">&#160;</td>
<td colspan="2" style="height:16px;">&#160;</td>
<td style="height:16px;">&#160;</td>
<td style="height:16px;">&#160;</td>
<td colspan="2" style="height:16px;">&#160;</td>
<td style="height:16px;">&#160;</td>
<td style="height:16px;">&#160;</td>
<td colspan="2" style="height:16px;">&#160;</td>
<td style="height:16px;">&#160;</td> </tr>
<tr style="page-break-inside:avoid;font-size:8pt;">
<td style="white-space:nowrap;vertical-align:bottom;"> <p style="font-family:Trebuchet MS;font-weight:bold;text-align:left;font-size:8pt;margin-bottom:0pt;margin-top:0pt">Other notable items - primarily tax and TOP </p> </td>
<td style="vertical-align:bottom;">&#160;</td>
<td colspan="10" style="border-bottom:1pt solid #000000;vertical-align:bottom;"> <p style="font-family:Trebuchet MS;font-weight:bold;text-align:center;font-size:8pt;margin-bottom:0pt;margin-top:0pt">4Q19 </p> </td>
<td>&#160;</td>
<td>&#160;</td>
<td colspan="10" style="border-bottom:1pt solid #000000;vertical-align:bottom;"> <p style="font-family:Trebuchet MS;font-weight:bold;text-align:center;font-size:8pt;margin-bottom:0pt;margin-top:0pt">3Q19 </p> </td>
<td>&#160;</td>
<td>&#160;</td>
<td colspan="10" style="border-bottom:1pt solid #000000;vertical-align:bottom;"> <p style="font-family:Trebuchet MS;font-weight:bold;text-align:center;font-size:8pt;margin-bottom:0pt;margin-top:0pt">4Q18 </p> </td>
<td>&#160;</td>
<td>&#160;</td>
<td colspan="2" style="vertical-align:bottom;"> <p style="font-family:Trebuchet MS;font-weight:bold;text-align:center;font-size:8pt;margin-bottom:0pt;margin-top:0pt"></p> </td>
<td style="vertical-align:bottom;font-weight:bold;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td colspan="2" style="vertical-align:bottom;"> <p style="font-family:Trebuchet MS;font-weight:bold;text-align:center;font-size:8pt;margin-bottom:0pt;margin-top:0pt"></p> </td>
<td style="vertical-align:bottom;font-weight:bold;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td colspan="2" style="vertical-align:bottom;"> <p style="font-family:Trebuchet MS;font-weight:bold;text-align:center;font-size:8pt;margin-bottom:0pt;margin-top:0pt"></p> </td>
<td style="vertical-align:bottom;font-weight:bold;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td> </tr>
<tr style="page-break-inside:avoid;font-size:8pt;">
<td style="vertical-align:bottom;"> <p style="font-family:Trebuchet MS;font-style:italic;text-align:left;font-size:8pt;margin-bottom:0pt;margin-top:0pt">($s in millions, except per share data) </p> </td>
<td style="vertical-align:bottom;">&#160;</td>
<td colspan="2" style="vertical-align:bottom;"> <p style="font-family:Trebuchet MS;font-weight:bold;text-align:center;font-size:8pt;margin-bottom:0pt;margin-top:0pt"> <span style="white-space:nowrap">Pre-tax </span> </p> </td>
<td style="vertical-align:bottom;font-weight:bold;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td colspan="2" style="vertical-align:bottom;"> <p style="font-family:Trebuchet MS;font-weight:bold;text-align:center;font-size:8pt;margin-bottom:0pt;margin-top:0pt"> <span style="white-space:nowrap">After-tax </span> </p> </td>
<td style="vertical-align:bottom;font-weight:bold;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td colspan="2" style="vertical-align:bottom;"> <p style="font-family:Trebuchet MS;font-weight:bold;text-align:center;font-size:8pt;margin-bottom:0pt;margin-top:0pt">EPS </p> </td>
<td style="vertical-align:bottom;font-weight:bold;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td colspan="2" style="vertical-align:bottom;"> <p style="font-family:Trebuchet MS;font-weight:bold;text-align:center;font-size:8pt;margin-bottom:0pt;margin-top:0pt"> <span style="white-space:nowrap">Pre-tax </span> </p> </td>
<td style="vertical-align:bottom;font-weight:bold;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td colspan="2" style="vertical-align:bottom;"> <p style="font-family:Trebuchet MS;font-weight:bold;text-align:center;font-size:8pt;margin-bottom:0pt;margin-top:0pt"> <span style="white-space:nowrap">After-tax </span> </p> </td>
<td style="vertical-align:bottom;font-weight:bold;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td colspan="2" style="vertical-align:bottom;"> <p style="font-family:Trebuchet MS;font-weight:bold;text-align:center;font-size:8pt;margin-bottom:0pt;margin-top:0pt">EPS </p> </td>
<td style="vertical-align:bottom;font-weight:bold;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td colspan="2" style="vertical-align:bottom;"> <p style="font-family:Trebuchet MS;font-weight:bold;text-align:center;font-size:8pt;margin-bottom:0pt;margin-top:0pt"> <span style="white-space:nowrap">Pre-tax </span> </p> </td>
<td style="vertical-align:bottom;font-weight:bold;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td colspan="2" style="vertical-align:bottom;"> <p style="font-family:Trebuchet MS;font-weight:bold;text-align:center;font-size:8pt;margin-bottom:0pt;margin-top:0pt"> <span style="white-space:nowrap">After-tax </span> </p> </td>
<td style="vertical-align:bottom;font-weight:bold;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td colspan="2" style="vertical-align:bottom;"> <p style="font-family:Trebuchet MS;font-weight:bold;text-align:center;font-size:8pt;margin-bottom:0pt;margin-top:0pt">EPS </p> </td>
<td style="vertical-align:bottom;font-weight:bold;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td rowspan="17" style="vertical-align:bottom;">&#160;</td>
<td rowspan="17" colspan="2" style="vertical-align:bottom;"> <p style="font-family:Trebuchet MS;font-weight:bold;text-align:center;font-size:8pt;margin-bottom:0pt;margin-top:0pt"></p> </td>
<td rowspan="17" style="vertical-align:bottom;font-weight:bold;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td rowspan="17" style="vertical-align:bottom;">&#160;</td>
<td rowspan="17" colspan="2" style="vertical-align:bottom;"> <p style="font-family:Trebuchet MS;font-weight:bold;text-align:center;font-size:8pt;margin-bottom:0pt;margin-top:0pt"></p> </td>
<td rowspan="17" style="vertical-align:bottom;font-weight:bold;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td rowspan="17" style="vertical-align:bottom;">&#160;</td>
<td rowspan="17" colspan="2" style="vertical-align:bottom;"> <p style="font-family:Trebuchet MS;font-weight:bold;text-align:center;font-size:8pt;margin-bottom:0pt;margin-top:0pt"></p> </td>
<td rowspan="17" style="vertical-align:bottom;font-weight:bold;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td> </tr>
<tr style="font-size:0pt;page-break-inside:avoid;">
<td colspan="13" style="border-bottom:1px solid #000000;vertical-align:bottom;">&#160;</td>
<td>&#160;</td>
<td colspan="10" style="border-bottom:1px solid #000000;vertical-align:bottom;">&#160;</td>
<td>&#160;</td>
<td>&#160;</td>
<td colspan="10" style="border-bottom:1px solid #000000;vertical-align:bottom;">&#160;</td>
<td>&#160;</td>
<td>&#160;</td> </tr>
<tr style="background-color:#cceeff;page-break-inside:avoid;font-size:8pt;">
<td style="vertical-align:top;padding:0;"> <p style="font-family:Trebuchet MS;margin-left:1.00em;text-align:left;text-indent:-1.00em;font-size:8pt;margin-bottom:0pt;margin-top:0pt">Tax notable items </p> </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">$</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">&#8212;&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">$</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">24 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">$</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">0.06 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">$</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">&#8212;&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">$</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">10 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">$</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">0.02 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt"></p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">$</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">29 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">$</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">0.06 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td> </tr>
<tr style="page-break-inside:avoid;font-size:8pt;">
<td style="vertical-align:top;padding:0;"> <p style="font-family:Trebuchet MS;font-style:italic;margin-left:1.00em;text-align:left;text-indent:-1.00em;font-size:8pt;margin-bottom:0pt;margin-top:0pt">Other notable items - TOP&#160;&#038; other actions </p> </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt"></p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt"></p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt"></p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt"></p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt"></p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt"></p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt"></p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt"></p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt"></p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td> </tr>
<tr style="background-color:#cceeff;page-break-inside:avoid;font-size:8pt;">
<td style="vertical-align:top;padding:0;"> <p style="font-family:Trebuchet MS;margin-left:1.00em;text-align:left;text-indent:-1.00em;font-size:8pt;margin-bottom:0pt;margin-top:0pt">Noninterest income </p> </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">&#8212;&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">&#8212;&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">&#8212;&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">&#8212;&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">&#8212;&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">&#8212;&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">(1</p> </td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">) </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">(1</p> </td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">) </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">&#8212;&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td> </tr>
<tr style="page-break-inside:avoid;font-size:8pt;">
<td style="vertical-align:top;padding:0;"> <p style="font-family:Trebuchet MS;margin-left:2.00em;text-align:left;text-indent:-1.00em;font-size:8pt;margin-bottom:0pt;margin-top:0pt">Salaries&#160;&#038; benefits </p> </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">(6</p> </td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">) </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">(5</p> </td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">) </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">(0.01</p> </td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">) </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">(4</p> </td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">) </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">(3</p> </td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">) </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">(0.01</p> </td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">) </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">(2</p> </td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">) </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">(2</p> </td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">) </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">(0.01</p> </td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">) </td> </tr>
<tr style="background-color:#cceeff;page-break-inside:avoid;font-size:8pt;">
<td style="vertical-align:top;padding:0;"> <p style="font-family:Trebuchet MS;margin-left:2.00em;text-align:left;text-indent:-1.00em;font-size:8pt;margin-bottom:0pt;margin-top:0pt">Equipment&#160;&#038; software </p> </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">(2</p> </td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">) </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">(1</p> </td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">) </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">&#8212;&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">&#8212;&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">&#8212;&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">&#8212;&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">(3</p> </td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">) </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">(2</p> </td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">) </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">&#8212;&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td> </tr>
<tr style="page-break-inside:avoid;font-size:8pt;">
<td style="vertical-align:top;padding:0;"> <p style="font-family:Trebuchet MS;margin-left:2.00em;text-align:left;text-indent:-1.00em;font-size:8pt;margin-bottom:0pt;margin-top:0pt">Outside services </p> </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">(19</p> </td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">) </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">(14</p> </td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">) </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">(0.03</p> </td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">) </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">(11</p> </td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">) </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">(8</p> </td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">) </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">(0.02</p> </td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">) </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">(14</p> </td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">) </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">(11</p> </td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">) </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">(0.02</p> </td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">) </td> </tr>
<tr style="background-color:#cceeff;page-break-inside:avoid;font-size:8pt;">
<td style="vertical-align:top;padding:0;"> <p style="font-family:Trebuchet MS;margin-left:2.00em;text-align:left;text-indent:-1.00em;font-size:8pt;margin-bottom:0pt;margin-top:0pt">Occupancy </p> </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">(8</p> </td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">) </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">(6</p> </td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">) </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">(0.01</p> </td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">) </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">&#8212;&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">&#8212;&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">&#8212;&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">(14</p> </td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">) </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">(10</p> </td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">) </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">(0.02</p> </td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">) </td> </tr>
<tr style="page-break-inside:avoid;font-size:8pt;">
<td style="vertical-align:top;padding:0;"> <p style="font-family:Trebuchet MS;margin-left:2.00em;text-align:left;text-indent:-1.00em;font-size:8pt;margin-bottom:0pt;margin-top:0pt">Other expense </p> </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">&#8212;&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">&#8212;&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt"></p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">&#8212;&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">&#8212;&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">&#8212;&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">&#8212;&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">&#8212;&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">&#8212;&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td> </tr>
<tr style="font-size:0pt;page-break-inside:avoid;">
<td colspan="13" style="border-bottom:1px solid #000000;vertical-align:bottom;">&#160;</td>
<td>&#160;</td>
<td colspan="10" style="border-bottom:1px solid #000000;vertical-align:bottom;">&#160;</td>
<td>&#160;</td>
<td>&#160;</td>
<td colspan="10" style="border-bottom:1px solid #000000;vertical-align:bottom;">&#160;</td>
<td>&#160;</td>
<td>&#160;</td> </tr>
<tr style="background-color:#cceeff;page-break-inside:avoid;font-size:8pt;">
<td style="vertical-align:top;padding:0;"> <p style="font-family:Trebuchet MS;margin-left:1.00em;text-align:left;text-indent:0.00em;font-size:8pt;margin-bottom:0pt;margin-top:0pt">Noninterest expense </p> </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">$</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">(35</p> </td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">) </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">$</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">(26</p> </td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">) </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">$</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">(0.05</p> </td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">) </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">$</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">(15</p> </td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">) </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">$</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">(11</p> </td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">) </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">$</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">(0.03</p> </td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">) </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">$</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">(33</p> </td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">) </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">$</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">(25</p> </td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">) </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">$</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">(0.05</p> </td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">) </td> </tr>
<tr style="font-size:0pt;page-break-inside:avoid;">
<td colspan="13" style="border-bottom:1px solid #000000;vertical-align:bottom;">&#160;</td>
<td>&#160;</td>
<td colspan="10" style="border-bottom:1px solid #000000;vertical-align:bottom;">&#160;</td>
<td>&#160;</td>
<td>&#160;</td>
<td colspan="10" style="border-bottom:1px solid #000000;vertical-align:bottom;">&#160;</td>
<td>&#160;</td>
<td>&#160;</td> </tr>
<tr style="page-break-inside:avoid;font-size:8pt;">
<td style="vertical-align:top;padding:0;"> <p style="font-family:Trebuchet MS;font-weight:bold;margin-left:0.00em;text-align:left;text-indent:0.00em;font-size:8pt;margin-bottom:0pt;margin-top:0pt">Total other notable items </p> </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">$</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">(35</p> </td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">) </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">$</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">(2</p> </td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">) </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">$</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">&#8212;&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">$</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">(15</p> </td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">) </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">$</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">(1</p> </td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">) </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">$</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">&#8212;&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">$</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">(34</p> </td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">) </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">$</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">3 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">$</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">0.01 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td> </tr>
<tr style="font-size:0pt;page-break-inside:avoid;">
<td colspan="13" style="border-bottom:1px solid #000000;vertical-align:bottom;">&#160;</td>
<td>&#160;</td>
<td colspan="10" style="border-bottom:1px solid #000000;vertical-align:bottom;">&#160;</td>
<td>&#160;</td>
<td>&#160;</td>
<td colspan="10" style="border-bottom:1px solid #000000;vertical-align:bottom;">&#160;</td>
<td>&#160;</td>
<td>&#160;</td> </tr>
<tr style="background-color:#cceeff;page-break-inside:avoid;font-size:8pt;">
<td style="vertical-align:top;padding:0;"> <p style="font-family:Trebuchet MS;font-weight:bold;margin-left:0.00em;text-align:left;text-indent:0.00em;font-size:8pt;margin-bottom:0pt;margin-top:0pt">Total notable items </p> </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-weight:bold;font-size:8pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">$</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-weight:bold;font-size:8pt;margin-bottom:0pt;margin-top:0pt">(37</p> </td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-weight:bold;font-size:8pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">) </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-weight:bold;font-size:8pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">$</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-weight:bold;font-size:8pt;margin-bottom:0pt;margin-top:0pt">(4</p> </td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-weight:bold;font-size:8pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">) </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-weight:bold;font-size:8pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">$</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-weight:bold;font-size:8pt;margin-bottom:0pt;margin-top:0pt">(0.01</p> </td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-weight:bold;font-size:8pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">) </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-weight:bold;font-size:8pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">$</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-weight:bold;font-size:8pt;margin-bottom:0pt;margin-top:0pt">(19</p> </td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-weight:bold;font-size:8pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">) </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-weight:bold;font-size:8pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">$</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-weight:bold;font-size:8pt;margin-bottom:0pt;margin-top:0pt">(4</p> </td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-weight:bold;font-size:8pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">) </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-weight:bold;font-size:8pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">$</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-weight:bold;font-size:8pt;margin-bottom:0pt;margin-top:0pt">(0.01</p> </td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-weight:bold;font-size:8pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">) </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-weight:bold;font-size:8pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">$</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-weight:bold;font-size:8pt;margin-bottom:0pt;margin-top:0pt">(50</p> </td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-weight:bold;font-size:8pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">) </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-weight:bold;font-size:8pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">$</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-weight:bold;font-size:8pt;margin-bottom:0pt;margin-top:0pt">(9</p> </td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-weight:bold;font-size:8pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">) </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-weight:bold;font-size:8pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">$</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-weight:bold;font-size:8pt;margin-bottom:0pt;margin-top:0pt">(0.02</p> </td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-weight:bold;font-size:8pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">) </td> </tr>
<tr style="font-size:0pt;page-break-inside:avoid;">
<td colspan="13" style="border-bottom:1px solid #000000;vertical-align:bottom;">&#160;</td>
<td>&#160;</td>
<td colspan="10" style="border-bottom:1px solid #000000;vertical-align:bottom;">&#160;</td>
<td>&#160;</td>
<td>&#160;</td>
<td colspan="10" style="border-bottom:1px solid #000000;vertical-align:bottom;">&#160;</td>
<td>&#160;</td>
<td>&#160;</td> </tr> </table> <div></div> <p style="margin-top:1em;margin-bottom:0em"></p>
 <div style="width:100%"> <p style="font-family:Trebuchet MS;text-align:center;font-size:10pt;margin-bottom:0pt;margin-top:0pt">10</p> <div></div> </div>

 </div>



<p style='page-break-before:always'> </p>
<hr style="color:#999999;height:3px;width:100%" />

 <div style="font-size:10pt;width:100%">
<table cellspacing="0" cellpadding="0" border="0" style="font-size:8pt;border-collapse:separate;border-spacing:0;width:100%;margin-left:auto;margin-right:auto">
<tr>
<td style="width:78%;"></td>
<td style="width:1%;"></td>
<td></td>
<td></td>
<td style="width:1%;"></td>
<td style="width:1%;"></td>
<td></td>
<td></td>
<td style="width:1%;"></td>
<td style="width:1%;"></td>
<td></td>
<td></td>
<td style="width:1%;"></td>
<td style="width:1%;"></td>
<td></td>
<td></td>
<td style="width:1%;"></td>
<td style="width:1%;"></td>
<td></td>
<td></td>
<td style="width:1%;"></td>
<td style="width:1%;"></td>
<td></td>
<td></td>
<td style="width:1%;"></td> </tr>
<tr style="page-break-inside:avoid;font-size:8pt;">
<td style="white-space:nowrap;vertical-align:bottom;"> <p style="font-family:Trebuchet MS;font-weight:bold;text-align:left;font-size:8pt;margin-bottom:0pt;margin-top:0pt">Notable items - integration costs </p> </td>
<td style="vertical-align:bottom;">&#160;</td>
<td colspan="10" style="border-bottom:1pt solid #000000;vertical-align:bottom;"> <p style="font-family:Trebuchet MS;font-weight:bold;text-align:center;font-size:8pt;margin-bottom:0pt;margin-top:0pt">FY2019 </p> </td>
<td>&#160;</td>
<td>&#160;</td>
<td colspan="10" style="border-bottom:1pt solid #000000;vertical-align:bottom;"> <p style="font-family:Trebuchet MS;font-weight:bold;text-align:center;font-size:8pt;margin-bottom:0pt;margin-top:0pt">FY2018 </p> </td>
<td>&#160;</td> </tr>
<tr style="page-break-inside:avoid;font-size:8pt;">
<td style="vertical-align:bottom;"> <p style="font-family:Trebuchet MS;font-style:italic;text-align:left;font-size:8pt;margin-bottom:0pt;margin-top:0pt">($s in millions, except per share data) </p> </td>
<td style="vertical-align:bottom;">&#160;</td>
<td colspan="2" style="vertical-align:bottom;"> <p style="font-family:Trebuchet MS;font-weight:bold;text-align:center;font-size:8pt;margin-bottom:0pt;margin-top:0pt"> <span style="white-space:nowrap">Pre-tax </span> </p> </td>
<td style="vertical-align:bottom;font-weight:bold;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td colspan="2" style="vertical-align:bottom;"> <p style="font-family:Trebuchet MS;font-weight:bold;text-align:center;font-size:8pt;margin-bottom:0pt;margin-top:0pt"> <span style="white-space:nowrap">After-tax </span> </p> </td>
<td style="vertical-align:bottom;font-weight:bold;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td colspan="2" style="vertical-align:bottom;"> <p style="font-family:Trebuchet MS;font-weight:bold;text-align:center;font-size:8pt;margin-bottom:0pt;margin-top:0pt">EPS </p> </td>
<td style="vertical-align:bottom;font-weight:bold;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td colspan="2" style="vertical-align:bottom;"> <p style="font-family:Trebuchet MS;font-weight:bold;text-align:center;font-size:8pt;margin-bottom:0pt;margin-top:0pt"> <span style="white-space:nowrap">Pre-tax </span> </p> </td>
<td style="vertical-align:bottom;font-weight:bold;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td colspan="2" style="vertical-align:bottom;"> <p style="font-family:Trebuchet MS;font-weight:bold;text-align:center;font-size:8pt;margin-bottom:0pt;margin-top:0pt"> <span style="white-space:nowrap">After-tax </span> </p> </td>
<td style="vertical-align:bottom;font-weight:bold;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td colspan="2" style="vertical-align:bottom;"> <p style="font-family:Trebuchet MS;font-weight:bold;text-align:center;font-size:8pt;margin-bottom:0pt;margin-top:0pt">EPS </p> </td>
<td style="vertical-align:bottom;font-weight:bold;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td> </tr>
<tr style="font-size:0pt;page-break-inside:avoid;">
<td colspan="13" style="border-bottom:1px solid #000000;vertical-align:bottom;">&#160;</td>
<td>&#160;</td>
<td colspan="10" style="border-bottom:1px solid #000000;vertical-align:bottom;">&#160;</td>
<td>&#160;</td> </tr>
<tr style="background-color:#cceeff;page-break-inside:avoid;font-size:8pt;">
<td style="vertical-align:top;padding:0;"> <p style="font-family:Trebuchet MS;margin-left:1.00em;text-align:left;text-indent:-1.00em;font-size:8pt;margin-bottom:0pt;margin-top:0pt">Noninterest income </p> </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">$</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">&#8212; </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">$</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">&#8212; </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">$</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">&#8212; </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">$</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">(4</p> </td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">) </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">$</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">(3</p> </td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">) </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">$</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">(0.01</p> </td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">) </td> </tr>
<tr style="page-break-inside:avoid;font-size:8pt;">
<td style="vertical-align:top;padding:0;"> <p style="font-family:Trebuchet MS;margin-left:2.00em;text-align:left;text-indent:-1.00em;font-size:8pt;margin-bottom:0pt;margin-top:0pt">Salaries&#160;&#038; benefits </p> </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">(4</p> </td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">) </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">(3</p> </td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">) </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">(0.01</p> </td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">) </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">(9</p> </td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">) </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">(7</p> </td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">) </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">(0.02</p> </td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">) </td> </tr>
<tr style="background-color:#cceeff;page-break-inside:avoid;font-size:8pt;">
<td style="vertical-align:top;padding:0;"> <p style="font-family:Trebuchet MS;margin-left:2.00em;text-align:left;text-indent:-1.00em;font-size:8pt;margin-bottom:0pt;margin-top:0pt">Equipment&#160;&#038; software </p> </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">(1</p> </td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">) </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">(1</p> </td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">) </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">&#8212; </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">&#8212; </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">&#8212; </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">&#8212; </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td> </tr>
<tr style="page-break-inside:avoid;font-size:8pt;">
<td style="vertical-align:top;padding:0;"> <p style="font-family:Trebuchet MS;margin-left:2.00em;text-align:left;text-indent:-1.00em;font-size:8pt;margin-bottom:0pt;margin-top:0pt">Outside services </p> </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">(13</p> </td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">) </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">(10</p> </td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">) </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">(0.02</p> </td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">) </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">(6</p> </td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">) </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">(5</p> </td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">) </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">(0.01</p> </td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">) </td> </tr>
<tr style="background-color:#cceeff;page-break-inside:avoid;font-size:8pt;">
<td style="vertical-align:top;padding:0;"> <p style="font-family:Trebuchet MS;margin-left:2.00em;text-align:left;text-indent:-1.00em;font-size:8pt;margin-bottom:0pt;margin-top:0pt">Occupancy </p> </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">&#8212; </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">&#8212; </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">&#8212; </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">(2</p> </td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">) </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">(1</p> </td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">) </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">&#8212; </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td> </tr>
<tr style="page-break-inside:avoid;font-size:8pt;">
<td style="vertical-align:top;padding:0;"> <p style="font-family:Trebuchet MS;margin-left:2.00em;text-align:left;text-indent:-1.00em;font-size:8pt;margin-bottom:0pt;margin-top:0pt">Other expense </p> </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">&#8212; </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">&#8212; </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">&#8212; </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">(4</p> </td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">) </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">(3</p> </td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">) </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">(0.01</p> </td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">) </td> </tr>
<tr style="font-size:0pt;page-break-inside:avoid;">
<td colspan="13" style="border-bottom:1px solid #000000;vertical-align:bottom;">&#160;</td>
<td>&#160;</td>
<td colspan="10" style="border-bottom:1px solid #000000;vertical-align:bottom;">&#160;</td>
<td>&#160;</td> </tr>
<tr style="background-color:#cceeff;page-break-inside:avoid;font-size:8pt;">
<td style="vertical-align:top;padding:0;"> <p style="font-family:Trebuchet MS;margin-left:1.00em;text-align:left;text-indent:0.00em;font-size:8pt;margin-bottom:0pt;margin-top:0pt">Noninterest expense </p> </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">$</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">(18</p> </td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">) </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">$</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">(14</p> </td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">) </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">$</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">(0.03</p> </td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">) </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">$</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">(21</p> </td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">) </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">$</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">(16</p> </td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">) </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">$</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">(0.04</p> </td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">) </td> </tr>
<tr style="font-size:0pt;page-break-inside:avoid;">
<td colspan="13" style="border-bottom:1px solid #000000;vertical-align:bottom;">&#160;</td>
<td>&#160;</td>
<td colspan="10" style="border-bottom:1px solid #000000;vertical-align:bottom;">&#160;</td>
<td>&#160;</td> </tr>
<tr style="page-break-inside:avoid;font-size:8pt;">
<td style="vertical-align:top;padding:0;"> <p style="font-family:Trebuchet MS;margin-left:0.00em;text-align:left;text-indent:0.00em;font-size:8pt;margin-bottom:0pt;margin-top:0pt">Total Integration costs </p> </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">$</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">(18</p> </td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">) </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">$</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">(14</p> </td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">) </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">$</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">(0.03</p> </td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">) </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">$</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">(25</p> </td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">) </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">$</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">(19</p> </td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">) </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">$</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">(0.05</p> </td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">) </td> </tr>
<tr style="font-size:0pt;page-break-inside:avoid;">
<td colspan="13" style="border-bottom:1px solid #000000;vertical-align:bottom;">&#160;</td>
<td>&#160;</td>
<td colspan="10" style="border-bottom:1px solid #000000;vertical-align:bottom;">&#160;</td>
<td>&#160;</td> </tr>
<tr style="font-size:1pt;">
<td style="height:16px;">&#160;</td>
<td style="height:16px;">&#160;</td>
<td colspan="10" style="height:16px;">&#160;</td>
<td style="height:16px;">&#160;</td>
<td style="height:16px;">&#160;</td>
<td colspan="10" style="height:16px;">&#160;</td>
<td style="height:16px;">&#160;</td> </tr>
<tr style="page-break-inside:avoid;font-size:8pt;">
<td style="white-space:nowrap;vertical-align:bottom;"> <p style="font-family:Trebuchet MS;font-weight:bold;text-align:left;font-size:8pt;margin-bottom:0pt;margin-top:0pt">Other notable items - primarily tax and TOP </p> </td>
<td style="vertical-align:bottom;">&#160;</td>
<td colspan="10" style="border-bottom:1pt solid #000000;vertical-align:bottom;"> <p style="font-family:Trebuchet MS;font-weight:bold;text-align:center;font-size:8pt;margin-bottom:0pt;margin-top:0pt">FY2019 </p> </td>
<td>&#160;</td>
<td>&#160;</td>
<td colspan="10" style="border-bottom:1pt solid #000000;vertical-align:bottom;"> <p style="font-family:Trebuchet MS;font-weight:bold;text-align:center;font-size:8pt;margin-bottom:0pt;margin-top:0pt">FY2018 </p> </td>
<td>&#160;</td> </tr>
<tr style="page-break-inside:avoid;font-size:8pt;">
<td style="vertical-align:bottom;"> <p style="font-family:Trebuchet MS;font-style:italic;text-align:left;font-size:8pt;margin-bottom:0pt;margin-top:0pt">($s in millions, except per share data) </p> </td>
<td style="vertical-align:bottom;">&#160;</td>
<td colspan="2" style="vertical-align:bottom;"> <p style="font-family:Trebuchet MS;font-weight:bold;text-align:center;font-size:8pt;margin-bottom:0pt;margin-top:0pt"> <span style="white-space:nowrap">Pre-tax </span> </p> </td>
<td style="vertical-align:bottom;font-weight:bold;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td colspan="2" style="vertical-align:bottom;"> <p style="font-family:Trebuchet MS;font-weight:bold;text-align:center;font-size:8pt;margin-bottom:0pt;margin-top:0pt"> <span style="white-space:nowrap">After-tax </span> </p> </td>
<td style="vertical-align:bottom;font-weight:bold;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td colspan="2" style="vertical-align:bottom;"> <p style="font-family:Trebuchet MS;font-weight:bold;text-align:center;font-size:8pt;margin-bottom:0pt;margin-top:0pt">EPS </p> </td>
<td style="vertical-align:bottom;font-weight:bold;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td colspan="2" style="vertical-align:bottom;"> <p style="font-family:Trebuchet MS;font-weight:bold;text-align:center;font-size:8pt;margin-bottom:0pt;margin-top:0pt"> <span style="white-space:nowrap">Pre-tax </span> </p> </td>
<td style="vertical-align:bottom;font-weight:bold;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td colspan="2" style="vertical-align:bottom;"> <p style="font-family:Trebuchet MS;font-weight:bold;text-align:center;font-size:8pt;margin-bottom:0pt;margin-top:0pt"> <span style="white-space:nowrap">After-tax </span> </p> </td>
<td style="vertical-align:bottom;font-weight:bold;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td colspan="2" style="vertical-align:bottom;"> <p style="font-family:Trebuchet MS;font-weight:bold;text-align:center;font-size:8pt;margin-bottom:0pt;margin-top:0pt">EPS </p> </td>
<td style="vertical-align:bottom;font-weight:bold;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td> </tr>
<tr style="font-size:0pt;page-break-inside:avoid;">
<td colspan="13" style="border-bottom:1px solid #000000;vertical-align:bottom;">&#160;</td>
<td>&#160;</td>
<td colspan="10" style="border-bottom:1px solid #000000;vertical-align:bottom;">&#160;</td>
<td>&#160;</td> </tr>
<tr style="background-color:#cceeff;page-break-inside:avoid;font-size:8pt;">
<td style="vertical-align:top;padding:0;"> <p style="font-family:Trebuchet MS;margin-left:1.00em;text-align:left;text-indent:-1.00em;font-size:8pt;margin-bottom:0pt;margin-top:0pt">Tax notable items </p> </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">$</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">&#8212; </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">$</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">34 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">$</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">0.08 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">$</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">&#8212; </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">$</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">29 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">$</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">0.06 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td> </tr>
<tr style="page-break-inside:avoid;font-size:8pt;">
<td style="vertical-align:top;padding:0;"> <p style="font-family:Trebuchet MS;font-style:italic;margin-left:1.00em;text-align:left;text-indent:-1.00em;font-size:8pt;margin-bottom:0pt;margin-top:0pt">Other notable items - TOP&#160;&#038; other actions </p> </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt"></p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt"></p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt"></p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt"></p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt"></p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt"></p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td> </tr>
<tr style="background-color:#cceeff;page-break-inside:avoid;font-size:8pt;">
<td style="vertical-align:top;padding:0;"> <p style="font-family:Trebuchet MS;margin-left:2.00em;text-align:left;text-indent:-1.00em;font-size:8pt;margin-bottom:0pt;margin-top:0pt">Noninterest income </p> </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">&#8212; </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">&#8212; </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">&#8212; </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">(1</p> </td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">) </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">(1</p> </td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">) </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">&#8212; </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td> </tr>
<tr style="page-break-inside:avoid;font-size:8pt;">
<td style="vertical-align:top;padding:0;"> <p style="font-family:Trebuchet MS;margin-left:3.00em;text-align:left;text-indent:-1.00em;font-size:8pt;margin-bottom:0pt;margin-top:0pt">Salaries&#160;&#038; benefits </p> </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">(10</p> </td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">) </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">(8</p> </td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">) </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">(0.02</p> </td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">) </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">(2</p> </td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">) </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">(2</p> </td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">) </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">(0.01</p> </td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">) </td> </tr>
<tr style="background-color:#cceeff;page-break-inside:avoid;font-size:8pt;">
<td style="vertical-align:top;padding:0;"> <p style="font-family:Trebuchet MS;margin-left:3.00em;text-align:left;text-indent:-1.00em;font-size:8pt;margin-bottom:0pt;margin-top:0pt">Equipment&#160;&#038; software </p> </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">(2</p> </td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">) </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">(1</p> </td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">) </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">&#8212; </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">(3</p> </td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">) </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">(2</p> </td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">) </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">&#8212; </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td> </tr>
<tr style="page-break-inside:avoid;font-size:8pt;">
<td style="vertical-align:top;padding:0;"> <p style="font-family:Trebuchet MS;margin-left:3.00em;text-align:left;text-indent:-1.00em;font-size:8pt;margin-bottom:0pt;margin-top:0pt">Outside services </p> </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">(30</p> </td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">) </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">(22</p> </td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">) </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">(0.05</p> </td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">) </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">(14</p> </td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">) </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">(11</p> </td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">) </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">(0.02</p> </td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">) </td> </tr>
<tr style="background-color:#cceeff;page-break-inside:avoid;font-size:8pt;">
<td style="vertical-align:top;padding:0;"> <p style="font-family:Trebuchet MS;margin-left:3.00em;text-align:left;text-indent:-1.00em;font-size:8pt;margin-bottom:0pt;margin-top:0pt">Occupancy </p> </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">(8</p> </td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">) </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">(6</p> </td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">) </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">(0.01</p> </td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">) </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">(14</p> </td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">) </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">(10</p> </td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">) </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">(0.02</p> </td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">) </td> </tr>
<tr style="page-break-inside:avoid;font-size:8pt;">
<td style="vertical-align:top;padding:0;"> <p style="font-family:Trebuchet MS;margin-left:3.00em;text-align:left;text-indent:-1.00em;font-size:8pt;margin-bottom:0pt;margin-top:0pt">Other expense </p> </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">&#8212; </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">&#8212; </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">&#8212; </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">&#8212; </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">&#8212; </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">&#8212; </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td> </tr>
<tr style="font-size:0pt;page-break-inside:avoid;">
<td colspan="13" style="border-bottom:1px solid #000000;vertical-align:bottom;">&#160;</td>
<td>&#160;</td>
<td colspan="10" style="border-bottom:1px solid #000000;vertical-align:bottom;">&#160;</td>
<td>&#160;</td> </tr>
<tr style="background-color:#cceeff;page-break-inside:avoid;font-size:8pt;">
<td style="vertical-align:top;padding:0;"> <p style="font-family:Trebuchet MS;margin-left:1.00em;text-align:left;text-indent:0.00em;font-size:8pt;margin-bottom:0pt;margin-top:0pt">Noninterest expense </p> </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">$</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">(50</p> </td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">) </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">$</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">(37</p> </td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">) </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">$</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">(0.08</p> </td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">) </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">$</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">(33</p> </td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">) </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">$</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">(25</p> </td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">) </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">$</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">(0.05</p> </td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">) </td> </tr>
<tr style="font-size:0pt;page-break-inside:avoid;">
<td colspan="13" style="border-bottom:1px solid #000000;vertical-align:bottom;">&#160;</td>
<td>&#160;</td>
<td colspan="10" style="border-bottom:1px solid #000000;vertical-align:bottom;">&#160;</td>
<td>&#160;</td> </tr>
<tr style="page-break-inside:avoid;font-size:8pt;">
<td style="vertical-align:top;padding:0;"> <p style="font-family:Trebuchet MS;font-weight:bold;margin-left:0.00em;text-align:left;text-indent:0.00em;font-size:8pt;margin-bottom:0pt;margin-top:0pt">Total other notable items </p> </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">$</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">(50</p> </td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">) </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">$</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">(3</p> </td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">) </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">$</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">(0.01</p> </td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">) </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">$</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">(34</p> </td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">) </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">$</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">3 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">$</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">0.01 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td> </tr>
<tr style="font-size:0pt;page-break-inside:avoid;">
<td colspan="13" style="border-bottom:1px solid #000000;vertical-align:bottom;">&#160;</td>
<td>&#160;</td>
<td colspan="10" style="border-bottom:1px solid #000000;vertical-align:bottom;">&#160;</td>
<td>&#160;</td> </tr>
<tr style="background-color:#cceeff;page-break-inside:avoid;font-size:8pt;">
<td style="vertical-align:top;padding:0;"> <p style="font-family:Trebuchet MS;font-weight:bold;margin-left:0.00em;text-align:left;text-indent:0.00em;font-size:8pt;margin-bottom:0pt;margin-top:0pt">Total notable items </p> </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-weight:bold;font-size:8pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">$</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-weight:bold;font-size:8pt;margin-bottom:0pt;margin-top:0pt">(68</p> </td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-weight:bold;font-size:8pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">) </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-weight:bold;font-size:8pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">$</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-weight:bold;font-size:8pt;margin-bottom:0pt;margin-top:0pt">(17</p> </td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-weight:bold;font-size:8pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">) </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-weight:bold;font-size:8pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">$</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-weight:bold;font-size:8pt;margin-bottom:0pt;margin-top:0pt">(0.03</p> </td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-weight:bold;font-size:8pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">) </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-weight:bold;font-size:8pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">$</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-weight:bold;font-size:8pt;margin-bottom:0pt;margin-top:0pt">(59</p> </td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-weight:bold;font-size:8pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">) </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-weight:bold;font-size:8pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">$</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-weight:bold;font-size:8pt;margin-bottom:0pt;margin-top:0pt">(16</p> </td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-weight:bold;font-size:8pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">) </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-weight:bold;font-size:8pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">$</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-weight:bold;font-size:8pt;margin-bottom:0pt;margin-top:0pt">(0.04</p> </td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-weight:bold;font-size:8pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">) </td> </tr>
<tr style="font-size:0pt;page-break-inside:avoid;">
<td colspan="13" style="border-bottom:1px solid #000000;vertical-align:bottom;">&#160;</td>
<td>&#160;</td>
<td colspan="10" style="border-bottom:1px solid #000000;vertical-align:bottom;">&#160;</td>
<td>&#160;</td> </tr> </table> <div></div> <p style="margin-top:1em;margin-bottom:0em"></p>
 <div style="width:100%"> <p style="font-family:Trebuchet MS;text-align:center;font-size:10pt;margin-bottom:0pt;margin-top:0pt">11</p> <div></div> </div>

 </div>



<p style='page-break-before:always'> </p>
<hr style="color:#999999;height:3px;width:100%" />

 <div style="font-size:10pt;width:100%"> <p style="font-family:Trebuchet MS;text-align:justify;font-size:10pt;margin-bottom:0pt;margin-top:0pt">The following table provides information on Underlying results before the impact of notable items.</p> <p style="font-family:Trebuchet MS;font-weight:Bold;font-style:Italic;text-align:left;font-size:10pt;margin-bottom:0px;margin-top:18pt">Underlying results:</p>
<table cellspacing="0" cellpadding="0" border="0" style="font-size:8pt;border-collapse:separate;border-spacing:0;width:100%;margin-bottom:0px;margin-top:12pt;margin-left:auto;margin-right:auto">
<tr>
<td style="width:58%;"></td>
<td style="width:2%;"></td>
<td></td>
<td></td>
<td></td>
<td style="width:2%;"></td>
<td></td>
<td></td>
<td></td>
<td style="width:2%;"></td>
<td></td>
<td></td>
<td></td>
<td style="width:2%;"></td>
<td></td>
<td></td>
<td></td>
<td style="width:2%;"></td>
<td></td>
<td></td>
<td></td>
<td style="width:2%;"></td>
<td></td>
<td></td>
<td></td>
<td style="width:2%;"></td>
<td></td>
<td></td>
<td></td>
<td style="width:2%;"></td>
<td></td>
<td></td>
<td></td> </tr>
<tr style="page-break-inside:avoid;font-size:8pt;">
<td style="vertical-align:bottom;"> <p style="font-family:Trebuchet MS;font-weight:bold;text-align:center;font-size:8pt;margin-bottom:0pt;margin-top:0pt"></p> </td>
<td style="vertical-align:bottom;">&#160;</td>
<td colspan="18" style="vertical-align:bottom;"> <p style="font-family:Trebuchet MS;font-weight:bold;text-align:center;font-size:8pt;margin-bottom:0pt;margin-top:0pt">Quarterly Trends </p> </td>
<td>&#160;</td>
<td>&#160;</td>
<td colspan="10" style="vertical-align:bottom;"> <p style="font-family:Trebuchet MS;font-weight:bold;text-align:center;font-size:8pt;margin-bottom:0pt;margin-top:0pt">Full Year </p> </td>
<td>&#160;</td> </tr>
<tr style="font-size:0pt;page-break-inside:avoid;">
<td style="vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td colspan="18" style="border-bottom:1px solid #000000;vertical-align:bottom;">&#160;</td>
<td>&#160;</td>
<td>&#160;</td>
<td colspan="10" style="border-bottom:1px solid #000000;vertical-align:bottom;">&#160;</td>
<td>&#160;</td> </tr>
<tr style="page-break-inside:avoid;font-size:8pt;">
<td style="vertical-align:bottom;"> <p style="font-family:Trebuchet MS;font-weight:bold;text-align:center;font-size:8pt;margin-bottom:0pt;margin-top:0pt"></p> </td>
<td style="vertical-align:bottom;">&#160;</td>
<td colspan="2" style="vertical-align:bottom;"> <p style="font-family:Trebuchet MS;font-weight:bold;text-align:center;font-size:8pt;margin-bottom:0pt;margin-top:0pt"></p> </td>
<td style="vertical-align:bottom;font-weight:bold;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td colspan="2" style="vertical-align:bottom;"> <p style="font-family:Trebuchet MS;font-weight:bold;text-align:center;font-size:8pt;margin-bottom:0pt;margin-top:0pt"></p> </td>
<td style="vertical-align:bottom;font-weight:bold;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td colspan="2" style="vertical-align:bottom;"> <p style="font-family:Trebuchet MS;font-weight:bold;text-align:center;font-size:8pt;margin-bottom:0pt;margin-top:0pt"></p> </td>
<td style="vertical-align:bottom;font-weight:bold;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td colspan="6" style="border-bottom:1pt solid #000000;vertical-align:bottom;"> <p style="font-family:Trebuchet MS;font-weight:bold;text-align:center;font-size:8pt;margin-bottom:0pt;margin-top:0pt">3Q19&#160;change&#160;from </p> </td>
<td>&#160;</td>
<td>&#160;</td>
<td colspan="2" style="vertical-align:bottom;"> <p style="font-family:Trebuchet MS;font-weight:bold;text-align:center;font-size:8pt;margin-bottom:0pt;margin-top:0pt"></p> </td>
<td style="vertical-align:bottom;font-weight:bold;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td colspan="2" style="vertical-align:bottom;"> <p style="font-family:Trebuchet MS;font-weight:bold;text-align:center;font-size:8pt;margin-bottom:0pt;margin-top:0pt"></p> </td>
<td style="vertical-align:bottom;font-weight:bold;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td colspan="2" style="border-bottom:1pt solid #000000;vertical-align:bottom;"> <p style="font-family:Trebuchet MS;font-weight:bold;text-align:center;font-size:8pt;margin-bottom:0pt;margin-top:0pt">2019&#160;Change </p> </td>
<td style="vertical-align:bottom;font-weight:bold;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td> </tr>
<tr style="page-break-inside:avoid;font-size:8pt;">
<td style="vertical-align:bottom;"> <p style="font-family:Trebuchet MS;font-style:italic;text-align:left;font-size:8pt;margin-bottom:0pt;margin-top:0pt"> <span style="font-style:Italic">($s in millions, except per share data)</span> </p> </td>
<td style="vertical-align:bottom;">&#160;</td>
<td colspan="2" style="vertical-align:bottom;"> <p style="font-family:Trebuchet MS;font-weight:bold;text-align:center;font-size:8pt;margin-bottom:0pt;margin-top:0pt">4Q19 </p> </td>
<td style="vertical-align:bottom;font-weight:bold;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td colspan="2" style="vertical-align:bottom;"> <p style="font-family:Trebuchet MS;font-weight:bold;text-align:center;font-size:8pt;margin-bottom:0pt;margin-top:0pt">3Q19 </p> </td>
<td style="vertical-align:bottom;font-weight:bold;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td colspan="2" style="vertical-align:bottom;"> <p style="font-family:Trebuchet MS;font-weight:bold;text-align:center;font-size:8pt;margin-bottom:0pt;margin-top:0pt">4Q18 </p> </td>
<td style="vertical-align:bottom;font-weight:bold;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td colspan="2" style="vertical-align:bottom;"> <p style="font-family:Trebuchet MS;font-weight:bold;text-align:center;font-size:8pt;margin-bottom:0pt;margin-top:0pt">3Q19 </p> </td>
<td style="vertical-align:bottom;font-weight:bold;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td colspan="2" style="vertical-align:bottom;"> <p style="font-family:Trebuchet MS;font-weight:bold;text-align:center;font-size:8pt;margin-bottom:0pt;margin-top:0pt">4Q18 </p> </td>
<td style="vertical-align:bottom;font-weight:bold;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td colspan="2" style="vertical-align:bottom;"> <p style="font-family:Trebuchet MS;font-weight:bold;text-align:center;font-size:8pt;margin-bottom:0pt;margin-top:0pt">2019 </p> </td>
<td style="vertical-align:bottom;font-weight:bold;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
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<td style="vertical-align:bottom;font-weight:bold;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td colspan="2" style="vertical-align:bottom;"> <p style="font-family:Trebuchet MS;font-weight:bold;text-align:center;font-size:8pt;margin-bottom:0pt;margin-top:0pt">from&#160;2018 </p> </td>
<td style="vertical-align:bottom;font-weight:bold;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td> </tr>
<tr style="font-size:0pt;page-break-inside:avoid;">
<td colspan="13" style="border-bottom:1px solid #000000;vertical-align:bottom;">&#160;</td>
<td>&#160;</td>
<td colspan="6" style="border-bottom:1px solid #000000;vertical-align:bottom;">&#160;</td>
<td>&#160;</td>
<td>&#160;</td>
<td colspan="6" style="border-bottom:1px solid #000000;vertical-align:bottom;">&#160;</td>
<td>&#160;</td>
<td>&#160;</td>
<td style="border-bottom:1px solid #000000;vertical-align:bottom;">&#160;</td>
<td style="border-bottom:1px solid #000000;vertical-align:bottom;">&#160;</td>
<td style="padding-right:2pt;vertical-align:bottom;">&#160;</td> </tr>
<tr style="background-color:#cceeff;page-break-inside:avoid;font-size:8pt;">
<td style="vertical-align:top;padding:0;"> <p style="font-family:Trebuchet MS;margin-left:0.00em;text-align:left;text-indent:0.00em;font-size:8pt;margin-bottom:0pt;margin-top:0pt">Net interest income </p> </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">$</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">1,143 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">$</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">1,145 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">$</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">1,172 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">&#8212;</p> </td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">&#160;&#160;% </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">(2&#160;&#160;</p> </td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">)% </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">$</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">4,614 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">$</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">4,532 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">2</p> </td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">&#160;&#160;% </td> </tr>
<tr style="page-break-inside:avoid;font-size:8pt;">
<td style="vertical-align:top;padding:0;"> <p style="font-family:Trebuchet MS;margin-left:0.00em;text-align:left;text-indent:0.00em;font-size:8pt;margin-bottom:0pt;margin-top:0pt">Noninterest income </p> </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">494 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">493 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">426 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">&#8212; </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">16 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">1,877 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">1,601 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">17 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td> </tr>
<tr style="font-size:0pt;page-break-inside:avoid;">
<td colspan="13" style="border-bottom:1px solid #000000;vertical-align:bottom;">&#160;</td>
<td>&#160;</td>
<td style="border-bottom:1px solid #000000;vertical-align:bottom;">&#160;</td>
<td style="border-bottom:1px solid #000000;vertical-align:bottom;">&#160;</td>
<td style="padding-right:2pt;vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="border-bottom:1px solid #000000;vertical-align:bottom;">&#160;</td>
<td style="border-bottom:1px solid #000000;vertical-align:bottom;">&#160;</td>
<td style="padding-right:2pt;vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td colspan="6" style="border-bottom:1px solid #000000;vertical-align:bottom;">&#160;</td>
<td>&#160;</td>
<td>&#160;</td>
<td style="border-bottom:1px solid #000000;vertical-align:bottom;">&#160;</td>
<td style="border-bottom:1px solid #000000;vertical-align:bottom;">&#160;</td>
<td style="padding-right:2pt;vertical-align:bottom;">&#160;</td> </tr>
<tr style="background-color:#cceeff;page-break-inside:avoid;font-size:8pt;">
<td style="vertical-align:top;padding:0;"> <p style="font-family:Trebuchet MS;margin-left:0.00em;text-align:left;text-indent:0.00em;font-size:8pt;margin-bottom:0pt;margin-top:0pt">Total revenue </p> </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">$</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">1,637 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">$</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">1,638 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">$</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">1,598 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">&#8212;</p> </td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">&#160;&#160;% </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">2</p> </td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">&#160;&#160;% </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">$</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">6,491 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">$</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">6,133 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">6</p> </td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">&#160;&#160;% </td> </tr>
<tr style="page-break-inside:avoid;font-size:8pt;">
<td style="vertical-align:top;padding:0;"> <p style="font-family:Trebuchet MS;margin-left:0.00em;text-align:left;text-indent:0.00em;font-size:8pt;margin-bottom:0pt;margin-top:0pt">Noninterest expense </p> </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">986 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">973 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">951 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">1 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">4 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">3,847 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">3,619 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">6</p> </td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">&#160;&#160;&#32;</td> </tr>
<tr style="background-color:#cceeff;page-break-inside:avoid;font-size:8pt;">
<td style="vertical-align:top;padding:0;"> <p style="font-family:Trebuchet MS;margin-left:0.00em;text-align:left;text-indent:0.00em;font-size:8pt;margin-bottom:0pt;margin-top:0pt">Notable items </p> </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">37 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">19 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">45 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">95 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">(18</p> </td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">) </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">68 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">54 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">26 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td> </tr>
<tr style="font-size:0pt;page-break-inside:avoid;">
<td colspan="13" style="border-bottom:1px solid #000000;vertical-align:bottom;">&#160;</td>
<td>&#160;</td>
<td style="border-bottom:1px solid #000000;vertical-align:bottom;">&#160;</td>
<td style="border-bottom:1px solid #000000;vertical-align:bottom;">&#160;</td>
<td style="padding-right:2pt;vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="border-bottom:1px solid #000000;vertical-align:bottom;">&#160;</td>
<td style="border-bottom:1px solid #000000;vertical-align:bottom;">&#160;</td>
<td style="padding-right:2pt;vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td colspan="6" style="border-bottom:1px solid #000000;vertical-align:bottom;">&#160;</td>
<td>&#160;</td>
<td>&#160;</td>
<td style="border-bottom:1px solid #000000;vertical-align:bottom;">&#160;</td>
<td style="border-bottom:1px solid #000000;vertical-align:bottom;">&#160;</td>
<td style="padding-right:2pt;vertical-align:bottom;">&#160;</td> </tr>
<tr style="page-break-inside:avoid;font-size:8pt;">
<td style="vertical-align:top;padding:0;"> <p style="font-family:Trebuchet MS;margin-left:0.00em;text-align:left;text-indent:0.00em;font-size:8pt;margin-bottom:0pt;margin-top:0pt">Underlying noninterest expense </p> </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">$</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">949 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">$</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">954 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">$</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">906 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">(1&#160;&#160;</p> </td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">)% </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">5</p> </td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">&#160;&#160;% </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">3,779 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">3,565 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">6</p> </td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">&#160;&#160;% </td> </tr>
<tr style="background-color:#cceeff;page-break-inside:avoid;font-size:8pt;">
<td style="vertical-align:top;padding:0;"> <p style="font-family:Trebuchet MS;margin-left:0.00em;text-align:left;text-indent:0.00em;font-size:8pt;margin-bottom:0pt;margin-top:0pt">Underlying <span style="white-space:nowrap">pre-provision</span> profit </p> </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">688 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">684 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">692 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">1 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">(1</p> </td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">) </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">2,712 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">2,568 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">6 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td> </tr>
<tr style="page-break-inside:avoid;font-size:8pt;">
<td style="vertical-align:top;padding:0;"> <p style="font-family:Trebuchet MS;margin-left:0.00em;text-align:left;text-indent:0.00em;font-size:8pt;margin-bottom:0pt;margin-top:0pt">Provision for credit losses </p> </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">110 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">101 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">85 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">9 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">29 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">393 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">326 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">21 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td> </tr>
<tr style="font-size:0pt;page-break-inside:avoid;">
<td colspan="13" style="border-bottom:1px solid #000000;vertical-align:bottom;">&#160;</td>
<td>&#160;</td>
<td style="border-bottom:1px solid #000000;vertical-align:bottom;">&#160;</td>
<td style="border-bottom:1px solid #000000;vertical-align:bottom;">&#160;</td>
<td style="padding-right:2pt;vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="border-bottom:1px solid #000000;vertical-align:bottom;">&#160;</td>
<td style="border-bottom:1px solid #000000;vertical-align:bottom;">&#160;</td>
<td style="padding-right:2pt;vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td colspan="6" style="border-bottom:1px solid #000000;vertical-align:bottom;">&#160;</td>
<td>&#160;</td>
<td>&#160;</td>
<td style="border-bottom:1px solid #000000;vertical-align:bottom;">&#160;</td>
<td style="border-bottom:1px solid #000000;vertical-align:bottom;">&#160;</td>
<td style="padding-right:2pt;vertical-align:bottom;">&#160;</td> </tr>
<tr style="background-color:#cceeff;page-break-inside:avoid;font-size:8pt;">
<td style="vertical-align:top;padding:0;"> <p style="font-family:Trebuchet MS;margin-left:0.00em;text-align:left;text-indent:0.00em;font-size:8pt;margin-bottom:0pt;margin-top:0pt">Net income available to common stockholders </p> </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">427 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">432 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">450 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">(1</p> </td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">) </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">(5</p> </td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">) </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">1,718 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">1,692 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">2 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td> </tr>
<tr style="page-break-inside:avoid;font-size:8pt;">
<td style="vertical-align:top;padding:0;"> <p style="font-family:Trebuchet MS;margin-left:0.00em;text-align:left;text-indent:0.00em;font-size:8pt;margin-bottom:0pt;margin-top:0pt">Underlying net income available to common stockholders </p> </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">431 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">436 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">459 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">(1</p> </td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">) </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">(6</p> </td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">) </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">1,735 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">1,708 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">2 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td> </tr>
<tr style="background-color:#cceeff;page-break-inside:avoid;font-size:8pt;">
<td style="vertical-align:top;padding:0;"> <p style="font-family:Trebuchet MS;margin-left:0.00em;text-align:left;text-indent:0.00em;font-size:8pt;margin-bottom:0pt;margin-top:0pt"> <span style="font-weight:Bold;font-style:normal">Key performance metrics*</span> </p> </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt"></p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt"></p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt"></p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt"></p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt"></p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt"></p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt"></p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt"></p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td> </tr>
<tr style="font-size:0pt;page-break-inside:avoid;">
<td colspan="13" style="border-bottom:1px solid #000000;vertical-align:bottom;">&#160;</td>
<td>&#160;</td>
<td style="border-bottom:1px solid #000000;vertical-align:bottom;">&#160;</td>
<td style="border-bottom:1px solid #000000;vertical-align:bottom;">&#160;</td>
<td style="padding-right:2pt;vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="border-bottom:1px solid #000000;vertical-align:bottom;">&#160;</td>
<td style="border-bottom:1px solid #000000;vertical-align:bottom;">&#160;</td>
<td style="padding-right:2pt;vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td colspan="6" style="border-bottom:1px solid #000000;vertical-align:bottom;">&#160;</td>
<td>&#160;</td>
<td>&#160;</td>
<td style="border-bottom:1px solid #000000;vertical-align:bottom;">&#160;</td>
<td style="border-bottom:1px solid #000000;vertical-align:bottom;">&#160;</td>
<td style="padding-right:2pt;vertical-align:bottom;">&#160;</td> </tr>
<tr style="page-break-inside:avoid;font-size:8pt;">
<td style="vertical-align:top;padding:0;"> <p style="font-family:Trebuchet MS;margin-left:0.00em;text-align:left;text-indent:0.00em;font-size:8pt;margin-bottom:0pt;margin-top:0pt">Diluted EPS </p> </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">$</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">0.98 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">$</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">0.97 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">$</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">0.96 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">1</p> </td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">&#160;&#160;% </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">2</p> </td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">&#160;&#160;% </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">$</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">3.81 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">$</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">3.52 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">8</p> </td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">&#160;&#160;% </td> </tr>
<tr style="background-color:#cceeff;page-break-inside:avoid;font-size:8pt;">
<td style="vertical-align:top;padding:0;"> <p style="font-family:Trebuchet MS;margin-left:0.00em;text-align:left;text-indent:0.00em;font-size:8pt;margin-bottom:0pt;margin-top:0pt">Underlying EPS </p> </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">$</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">0.99 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">$</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">0.98 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">$</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">0.98 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">1</p> </td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">&#160;&#160;% </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">1</p> </td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">&#160;&#160;% </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">$</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">3.84 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">$</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">3.56 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">8</p> </td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">&#160;&#160;% </td> </tr>
<tr style="page-break-inside:avoid;font-size:8pt;">
<td style="vertical-align:top;padding:0;"> <p style="font-family:Trebuchet MS;margin-left:0.00em;text-align:left;text-indent:0.00em;font-size:8pt;margin-bottom:0pt;margin-top:0pt">Efficiency ratio </p> </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">60</p> </td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">&#160;&#160;% </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">59</p> </td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">&#160;&#160;% </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">60</p> </td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">&#160;&#160;% </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">88</p> </td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">&#160;bps &#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">59</p> </td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">&#160;bps &#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">59</p> </td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">&#160;&#160;% </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">59</p> </td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">&#160;&#160;% </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">22</p> </td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">&#160;bps &#160;</td> </tr>
<tr style="background-color:#cceeff;page-break-inside:avoid;font-size:8pt;">
<td style="vertical-align:top;padding:0;"> <p style="font-family:Trebuchet MS;margin-left:0.00em;text-align:left;text-indent:0.00em;font-size:8pt;margin-bottom:0pt;margin-top:0pt">Underlying efficiency ratio </p> </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">58 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">58 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">57 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">(20</p> </td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">) </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">132 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">58 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">58 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">10 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td> </tr>
<tr style="font-size:0pt;page-break-inside:avoid;">
<td colspan="13" style="border-bottom:1px solid #000000;vertical-align:bottom;">&#160;</td>
<td>&#160;</td>
<td style="border-bottom:1px solid #000000;vertical-align:bottom;">&#160;</td>
<td style="border-bottom:1px solid #000000;vertical-align:bottom;">&#160;</td>
<td style="padding-right:2pt;vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="border-bottom:1px solid #000000;vertical-align:bottom;">&#160;</td>
<td style="border-bottom:1px solid #000000;vertical-align:bottom;">&#160;</td>
<td style="padding-right:2pt;vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td colspan="6" style="border-bottom:1px solid #000000;vertical-align:bottom;">&#160;</td>
<td>&#160;</td>
<td>&#160;</td>
<td style="border-bottom:1px solid #000000;vertical-align:bottom;">&#160;</td>
<td style="border-bottom:1px solid #000000;vertical-align:bottom;">&#160;</td>
<td style="padding-right:2pt;vertical-align:bottom;">&#160;</td> </tr>
<tr style="page-break-inside:avoid;font-size:8pt;">
<td style="vertical-align:top;padding:0;"> <p style="font-family:Trebuchet MS;margin-left:1.00em;text-align:left;text-indent:-1.00em;font-size:8pt;margin-bottom:0pt;margin-top:0pt">Operating leverage </p> </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt"></p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt"></p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt"></p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">(1.5</p> </td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">)</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">(1.0</p> </td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">)</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt"></p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt"></p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">(0.4&#160;&#160;</p> </td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">)% </td> </tr>
<tr style="background-color:#cceeff;page-break-inside:avoid;font-size:8pt;">
<td style="vertical-align:top;padding:0;"> <p style="font-family:Trebuchet MS;margin-left:1.00em;text-align:left;text-indent:-1.00em;font-size:8pt;margin-bottom:0pt;margin-top:0pt">Underlying operating leverage </p> </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt"></p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt"></p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt"></p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">0.3</p> </td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">&#160;&#160;%&#32;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">(2.4&#160;&#160;</p> </td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">)%</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt"></p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt"></p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">(0.2&#160;&#160;</p> </td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">)%</td> </tr> </table> <div></div> <p style="margin-top:1em;margin-bottom:0em"></p>
 <div style="width:100%"> <p style="font-family:Trebuchet MS;text-align:center;font-size:10pt;margin-bottom:0pt;margin-top:0pt">12</p> <div></div> </div>

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 <div style="font-size:10pt;width:100%"> <p style="font-family:Trebuchet MS;font-weight:Bold;font-style:Italic;text-align:left;font-size:10pt;margin-bottom:0pt;margin-top:0pt">Discussion of results: </p>
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<td style="vertical-align:bottom;"> <p style="font-family:Trebuchet MS;font-weight:bold;text-align:left;font-size:8pt;margin-bottom:0pt;margin-top:0pt">Net interest income </p> </td>
<td style="vertical-align:bottom;">&#160;</td>
<td colspan="2" style="vertical-align:bottom;"> <p style="font-family:Trebuchet MS;font-weight:bold;text-align:center;font-size:8pt;margin-bottom:0pt;margin-top:0pt"></p> </td>
<td style="vertical-align:bottom;font-weight:bold;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td colspan="2" style="vertical-align:bottom;"> <p style="font-family:Trebuchet MS;font-weight:bold;text-align:center;font-size:8pt;margin-bottom:0pt;margin-top:0pt"></p> </td>
<td style="vertical-align:bottom;font-weight:bold;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td colspan="2" style="vertical-align:bottom;"> <p style="font-family:Trebuchet MS;font-weight:bold;text-align:center;font-size:8pt;margin-bottom:0pt;margin-top:0pt"></p> </td>
<td style="vertical-align:bottom;font-weight:bold;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td colspan="14" style="border-bottom:1pt solid #000000;vertical-align:bottom;"> <p style="font-family:Trebuchet MS;font-weight:bold;text-align:center;font-size:8pt;margin-bottom:0pt;margin-top:0pt">4Q19 change from </p> </td>
<td>&#160;</td> </tr>
<tr style="page-break-inside:avoid;font-size:8pt;">
<td style="vertical-align:bottom;"> <p style="font-family:Trebuchet MS;text-align:left;font-size:8pt;margin-bottom:0pt;margin-top:0pt"> <span style="font-style:Italic">($s in millions)</span> </p> </td>
<td style="vertical-align:bottom;">&#160;</td>
<td colspan="2" style="vertical-align:bottom;"> <p style="font-family:Trebuchet MS;font-weight:bold;text-align:center;font-size:8pt;margin-bottom:0pt;margin-top:0pt">4Q19 </p> </td>
<td style="vertical-align:bottom;font-weight:bold;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td colspan="2" style="vertical-align:bottom;"> <p style="font-family:Trebuchet MS;font-weight:bold;text-align:center;font-size:8pt;margin-bottom:0pt;margin-top:0pt">3Q19 </p> </td>
<td style="vertical-align:bottom;font-weight:bold;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td colspan="2" style="vertical-align:bottom;"> <p style="font-family:Trebuchet MS;font-weight:bold;text-align:center;font-size:8pt;margin-bottom:0pt;margin-top:0pt">4Q18 </p> </td>
<td style="vertical-align:bottom;font-weight:bold;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td colspan="6" style="vertical-align:bottom;"> <p style="font-family:Trebuchet MS;font-weight:bold;text-align:center;font-size:8pt;margin-bottom:0pt;margin-top:0pt">3Q19 </p> </td>
<td>&#160;</td>
<td>&#160;</td>
<td colspan="6" style="vertical-align:bottom;"> <p style="font-family:Trebuchet MS;font-weight:bold;text-align:center;font-size:8pt;margin-bottom:0pt;margin-top:0pt">4Q18 </p> </td>
<td>&#160;</td> </tr>
<tr style="font-size:0pt;page-break-inside:avoid;">
<td colspan="13" style="border-bottom:1px solid #000000;vertical-align:bottom;">&#160;</td>
<td>&#160;</td>
<td colspan="6" style="border-bottom:1px solid #000000;vertical-align:bottom;">&#160;</td>
<td>&#160;</td>
<td>&#160;</td>
<td colspan="6" style="border-bottom:1px solid #000000;vertical-align:bottom;">&#160;</td>
<td>&#160;</td> </tr>
<tr style="page-break-inside:avoid;font-size:8pt;">
<td style="vertical-align:bottom;"> <p style="font-family:Trebuchet MS;font-weight:bold;text-align:center;font-size:8pt;margin-bottom:0pt;margin-top:0pt"></p> </td>
<td style="vertical-align:bottom;">&#160;</td>
<td colspan="2" style="vertical-align:bottom;"> <p style="font-family:Trebuchet MS;font-weight:bold;text-align:center;font-size:8pt;margin-bottom:0pt;margin-top:0pt"></p> </td>
<td style="vertical-align:bottom;font-weight:bold;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td colspan="2" style="vertical-align:bottom;"> <p style="font-family:Trebuchet MS;font-weight:bold;text-align:center;font-size:8pt;margin-bottom:0pt;margin-top:0pt"></p> </td>
<td style="vertical-align:bottom;font-weight:bold;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td colspan="2" style="vertical-align:bottom;"> <p style="font-family:Trebuchet MS;font-weight:bold;text-align:center;font-size:8pt;margin-bottom:0pt;margin-top:0pt"></p> </td>
<td style="vertical-align:bottom;font-weight:bold;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td colspan="2" style="vertical-align:bottom;"> <p style="font-family:Trebuchet MS;font-weight:bold;text-align:center;font-size:8pt;margin-bottom:0pt;margin-top:0pt">$/bps </p> </td>
<td style="vertical-align:bottom;font-weight:bold;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td colspan="2" style="vertical-align:bottom;"> <p style="font-family:Trebuchet MS;font-weight:bold;text-align:center;font-size:8pt;margin-bottom:0pt;margin-top:0pt">% </p> </td>
<td style="vertical-align:bottom;font-weight:bold;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td colspan="2" style="vertical-align:bottom;"> <p style="font-family:Trebuchet MS;font-weight:bold;text-align:center;font-size:8pt;margin-bottom:0pt;margin-top:0pt">$/bps </p> </td>
<td style="vertical-align:bottom;font-weight:bold;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td colspan="2" style="vertical-align:bottom;"> <p style="font-family:Trebuchet MS;font-weight:bold;text-align:center;font-size:8pt;margin-bottom:0pt;margin-top:0pt">% </p> </td>
<td style="vertical-align:bottom;font-weight:bold;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td> </tr>
<tr style="font-size:0pt;page-break-inside:avoid;">
<td style="vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;padding-right:2pt;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;padding-right:2pt;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;padding-right:2pt;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td colspan="6" style="border-bottom:1px solid #000000;vertical-align:bottom;">&#160;</td>
<td>&#160;</td>
<td>&#160;</td>
<td colspan="6" style="border-bottom:1px solid #000000;vertical-align:bottom;">&#160;</td>
<td>&#160;</td> </tr>
<tr style="background-color:#cceeff;page-break-inside:avoid;font-size:8pt;">
<td style="vertical-align:top;padding:0;"> <p style="font-family:Trebuchet MS;font-weight:bold;margin-left:1.00em;text-align:left;text-indent:-1.00em;font-size:8pt;margin-bottom:0pt;margin-top:0pt">Interest income: </p> </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-weight:bold;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-weight:bold;font-size:8pt;margin-bottom:0pt;margin-top:0pt"></p> </td>
<td style="vertical-align:bottom;font-weight:bold;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-weight:bold;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-weight:bold;font-size:8pt;margin-bottom:0pt;margin-top:0pt"></p> </td>
<td style="vertical-align:bottom;font-weight:bold;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-weight:bold;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-weight:bold;font-size:8pt;margin-bottom:0pt;margin-top:0pt"></p> </td>
<td style="vertical-align:bottom;font-weight:bold;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-weight:bold;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-weight:bold;font-size:8pt;margin-bottom:0pt;margin-top:0pt"></p> </td>
<td style="vertical-align:bottom;font-weight:bold;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-weight:bold;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-weight:bold;font-size:8pt;margin-bottom:0pt;margin-top:0pt"></p> </td>
<td style="vertical-align:bottom;font-weight:bold;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-weight:bold;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-weight:bold;font-size:8pt;margin-bottom:0pt;margin-top:0pt"></p> </td>
<td style="vertical-align:bottom;font-weight:bold;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-weight:bold;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-weight:bold;font-size:8pt;margin-bottom:0pt;margin-top:0pt"></p> </td>
<td style="vertical-align:bottom;font-weight:bold;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td> </tr>
<tr style="page-break-inside:avoid;font-size:8pt;">
<td style="vertical-align:top;padding:0;"> <p style="font-family:Trebuchet MS;text-align:justify;font-size:8pt;margin-bottom:0pt;margin-top:0pt">Interest and fees on loans and leases and loans held for sale </p> </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">$</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">1,335 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">$</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">1,377 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">$</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">1,362 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">$</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">(42</p> </td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">) </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">(3</p> </td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">)% </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">$</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">(27</p> </td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">) </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">(2)</p> </td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">&#160;% &#160;</td> </tr>
<tr style="background-color:#cceeff;page-break-inside:avoid;font-size:8pt;">
<td style="vertical-align:top;padding:0;"> <p style="font-family:Trebuchet MS;margin-left:1.00em;text-align:left;text-indent:-1.00em;font-size:8pt;margin-bottom:0pt;margin-top:0pt">Investment securities </p> </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">159 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">153 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">172 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">6&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">4 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">(13</p> </td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">) </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">(8) </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td> </tr>
<tr style="page-break-inside:avoid;font-size:8pt;">
<td style="vertical-align:top;padding:0;"> <p style="font-family:Trebuchet MS;margin-left:1.00em;text-align:left;text-indent:-1.00em;font-size:8pt;margin-bottom:0pt;margin-top:0pt">Interest-bearing deposits in banks </p> </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">7 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">8 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">8 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">(1) </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">(13</p> </td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">) </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">(1</p> </td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">) </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">(13) </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td> </tr>
<tr style="font-size:0pt;page-break-inside:avoid;">
<td colspan="13" style="border-bottom:1px solid #000000;vertical-align:bottom;">&#160;</td>
<td>&#160;</td>
<td style="border-bottom:1px solid #000000;vertical-align:bottom;">&#160;</td>
<td style="border-bottom:1px solid #000000;vertical-align:bottom;">&#160;</td>
<td style="padding-right:2pt;vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;padding-right:2pt;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="border-bottom:1px solid #000000;vertical-align:bottom;">&#160;</td>
<td style="border-bottom:1px solid #000000;vertical-align:bottom;">&#160;</td>
<td style="padding-right:2pt;vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;padding-right:2pt;">&#160;</td> </tr>
<tr style="background-color:#cceeff;page-break-inside:avoid;font-size:8pt;">
<td style="vertical-align:top;padding:0;"> <p style="font-family:Trebuchet MS;margin-left:1.00em;text-align:left;text-indent:-1.00em;font-size:8pt;margin-bottom:0pt;margin-top:0pt">Total interest income </p> </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">$</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">1,501 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">$</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">1,538 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">$</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">1,542 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">$</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">(37) </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">(2</p> </td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">)% </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">$</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">(41</p> </td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">) </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">(3)</p> </td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">&#160;% &#160;</td> </tr>
<tr style="font-size:0pt;page-break-inside:avoid;">
<td colspan="13" style="border-bottom:1px solid #000000;vertical-align:bottom;">&#160;</td>
<td>&#160;</td>
<td style="border-bottom:1px solid #000000;vertical-align:bottom;">&#160;</td>
<td style="border-bottom:1px solid #000000;vertical-align:bottom;">&#160;</td>
<td style="padding-right:2pt;vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;padding-right:2pt;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="border-bottom:1px solid #000000;vertical-align:bottom;">&#160;</td>
<td style="border-bottom:1px solid #000000;vertical-align:bottom;">&#160;</td>
<td style="padding-right:2pt;vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;padding-right:2pt;">&#160;</td> </tr>
<tr style="page-break-inside:avoid;font-size:8pt;">
<td style="vertical-align:top;padding:0;"> <p style="font-family:Trebuchet MS;font-weight:bold;margin-left:1.00em;text-align:left;text-indent:-1.00em;font-size:8pt;margin-bottom:0pt;margin-top:0pt">Interest expense: </p> </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-weight:bold;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-weight:bold;font-size:8pt;margin-bottom:0pt;margin-top:0pt"></p> </td>
<td style="vertical-align:bottom;font-weight:bold;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-weight:bold;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-weight:bold;font-size:8pt;margin-bottom:0pt;margin-top:0pt"></p> </td>
<td style="vertical-align:bottom;font-weight:bold;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-weight:bold;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-weight:bold;font-size:8pt;margin-bottom:0pt;margin-top:0pt"></p> </td>
<td style="vertical-align:bottom;font-weight:bold;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-weight:bold;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-weight:bold;font-size:8pt;margin-bottom:0pt;margin-top:0pt"></p> </td>
<td style="vertical-align:bottom;font-weight:bold;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-weight:bold;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-weight:bold;font-size:8pt;margin-bottom:0pt;margin-top:0pt"></p> </td>
<td style="vertical-align:bottom;font-weight:bold;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-weight:bold;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-weight:bold;font-size:8pt;margin-bottom:0pt;margin-top:0pt"></p> </td>
<td style="vertical-align:bottom;font-weight:bold;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-weight:bold;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-weight:bold;font-size:8pt;margin-bottom:0pt;margin-top:0pt"></p> </td>
<td style="vertical-align:bottom;font-weight:bold;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td> </tr>
<tr style="background-color:#cceeff;page-break-inside:avoid;font-size:8pt;">
<td style="vertical-align:top;padding:0;"> <p style="font-family:Trebuchet MS;margin-left:1.00em;text-align:left;text-indent:-1.00em;font-size:8pt;margin-bottom:0pt;margin-top:0pt">Deposits </p> </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">$</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">263 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">$</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">297 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">$</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">245 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">$</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">(34) </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">(11</p> </td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">)% </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">$</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">18 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">7</p> </td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">&#160;% &#160;</td> </tr>
<tr style="page-break-inside:avoid;font-size:8pt;">
<td style="vertical-align:top;padding:0;"> <p style="font-family:Trebuchet MS;text-align:left;font-size:8pt;margin-bottom:0pt;margin-top:0pt">Federal funds purchased and securities sold under agreements to repurchase </p> </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">1 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">2 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">2 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">(1) </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">(50</p> </td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">) </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">(1</p> </td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">) </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">(50) </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td> </tr>
<tr style="background-color:#cceeff;page-break-inside:avoid;font-size:8pt;">
<td style="vertical-align:top;padding:0;"> <p style="font-family:Trebuchet MS;margin-left:1.00em;text-align:left;text-indent:-1.00em;font-size:8pt;margin-bottom:0pt;margin-top:0pt">Other short-term borrowed funds<sup style="font-size:85%;vertical-align:top">(1)</sup></p> </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">1 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">&#8212; </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">2 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;1&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;100 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">(1</p> </td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">) </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">(50) </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td> </tr>
<tr style="page-break-inside:avoid;font-size:8pt;">
<td style="vertical-align:top;padding:0;"> <p style="font-family:Trebuchet MS;margin-left:1.00em;text-align:left;text-indent:-1.00em;font-size:8pt;margin-bottom:0pt;margin-top:0pt">Long-term borrowed funds<sup style="font-size:85%;vertical-align:top">(1)</sup></p> </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">93 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">94 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">121 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">(1) </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">(1</p> </td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">) </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">(28</p> </td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">) </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">(23) </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td> </tr>
<tr style="font-size:0pt;page-break-inside:avoid;">
<td colspan="13" style="border-bottom:1px solid #000000;vertical-align:bottom;">&#160;</td>
<td>&#160;</td>
<td style="border-bottom:1px solid #000000;vertical-align:bottom;">&#160;</td>
<td style="border-bottom:1px solid #000000;vertical-align:bottom;">&#160;</td>
<td style="padding-right:2pt;vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;padding-right:2pt;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="border-bottom:1px solid #000000;vertical-align:bottom;">&#160;</td>
<td style="border-bottom:1px solid #000000;vertical-align:bottom;">&#160;</td>
<td style="padding-right:2pt;vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;padding-right:2pt;">&#160;</td> </tr>
<tr style="background-color:#cceeff;page-break-inside:avoid;font-size:8pt;">
<td style="vertical-align:top;padding:0;"> <p style="font-family:Trebuchet MS;margin-left:1.00em;text-align:left;text-indent:-1.00em;font-size:8pt;margin-bottom:0pt;margin-top:0pt">Total interest expense </p> </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">$</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">358 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">$</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">393 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">$</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">370 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">$</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">(35) </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">(9</p> </td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">)% </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">$</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">(12</p> </td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">) </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">(3)</p> </td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">&#160;% &#160;</td> </tr>
<tr style="font-size:0pt;page-break-inside:avoid;">
<td colspan="13" style="border-bottom:1px solid #000000;vertical-align:bottom;">&#160;</td>
<td>&#160;</td>
<td style="border-bottom:1px solid #000000;vertical-align:bottom;">&#160;</td>
<td style="border-bottom:1px solid #000000;vertical-align:bottom;">&#160;</td>
<td style="padding-right:2pt;vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;padding-right:2pt;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="border-bottom:1px solid #000000;vertical-align:bottom;">&#160;</td>
<td style="border-bottom:1px solid #000000;vertical-align:bottom;">&#160;</td>
<td style="padding-right:2pt;vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;padding-right:2pt;">&#160;</td> </tr>
<tr style="page-break-inside:avoid;font-size:8pt;">
<td style="vertical-align:top;padding:0;"> <p style="font-family:Trebuchet MS;margin-left:1.00em;text-align:left;text-indent:-1.00em;font-size:8pt;margin-bottom:0pt;margin-top:0pt">Net interest income </p> </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">$</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;1,143 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">$</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;1,145 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">$</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;1,172 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">$</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">(2) </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">&#8212;</p> </td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">&#160;% &#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">$</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">(29</p> </td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">) </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">(2)</p> </td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">&#160;% &#160;</td> </tr>
<tr style="font-size:0pt;page-break-inside:avoid;">
<td colspan="13" style="border-bottom:1px solid #000000;vertical-align:bottom;">&#160;</td>
<td>&#160;</td>
<td style="border-bottom:1px solid #000000;vertical-align:bottom;">&#160;</td>
<td style="border-bottom:1px solid #000000;vertical-align:bottom;">&#160;</td>
<td style="padding-right:2pt;vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;padding-right:2pt;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="border-bottom:1px solid #000000;vertical-align:bottom;">&#160;</td>
<td style="border-bottom:1px solid #000000;vertical-align:bottom;">&#160;</td>
<td style="padding-right:2pt;vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;padding-right:2pt;">&#160;</td> </tr>
<tr style="background-color:#cceeff;page-break-inside:avoid;font-size:8pt;">
<td style="vertical-align:top;padding:0;"> <p style="font-family:Trebuchet MS;margin-left:1.00em;text-align:left;text-indent:-1.00em;font-size:8pt;margin-bottom:0pt;margin-top:0pt">Net interest margin, FTE </p> </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">3.06</p> </td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">&#160;% &#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">3.12</p> </td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">&#160;% &#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">3.25</p> </td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">&#160;% &#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">(6&#160;</p> </td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">)bps </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt"></p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">(19&#160;</p> </td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">)bps </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt"></p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td> </tr>
<tr style="font-size:0pt;page-break-inside:avoid;">
<td colspan="13" style="border-bottom:1px solid #000000;vertical-align:bottom;">&#160;</td>
<td>&#160;</td>
<td style="border-bottom:1px solid #000000;vertical-align:bottom;">&#160;</td>
<td style="border-bottom:1px solid #000000;vertical-align:bottom;">&#160;</td>
<td style="padding-right:2pt;vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;padding-right:2pt;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="border-bottom:1px solid #000000;vertical-align:bottom;">&#160;</td>
<td style="border-bottom:1px solid #000000;vertical-align:bottom;">&#160;</td>
<td style="padding-right:2pt;vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;padding-right:2pt;">&#160;</td> </tr> </table> <p style="font-family:Trebuchet MS;text-align:left;font-size:7pt;margin-bottom:0pt;margin-top:0pt">1) Beginning in 1Q19, borrowed funds interest expense is based on original maturity and prior periods have been revised consistent with the current presentation. </p> <p style="font-family:Trebuchet MS;text-align:justify;font-size:10pt;margin-bottom:0px;margin-top:12pt">Net interest income decreased $29&#160;million, or 2%, from fourth quarter 2018 as 4% growth in interest-earning assets was more than offset by a lower net interest margin reflecting the challenging rate and yield curve environment. Net interest margin of 3.06% decreased 19 basis points as the impact of lower short-term rates on loan yields and higher securities premium amortization tied to lower long-term interest rates was only partially offset by lower funding costs and the continued mix shift towards better-returning assets. </p> <p style="font-family:Trebuchet MS;text-align:justify;font-size:10pt;margin-bottom:0px;margin-top:6pt">Compared with third quarter 2019, net interest income of $1.1&#160;billion was relatively stable as the benefit of 2% interest earning asset growth was offset by the impact of the challenging rate environment on net interest margin. Net interest margin of 3.06% decreased 6 basis points, as a reduction in interest-earning asset yields tied to lower interest rates was only partially offset by lower deposits costs and a mix shift in loans toward more attractive risk-adjusted categories. Interest-bearing deposit costs decreased 15 basis points, reflecting continued pricing discipline. </p>
<table cellspacing="0" cellpadding="0" border="0" style="font-size:8pt;border-collapse:separate;border-spacing:0;width:100%;margin-bottom:0px;margin-top:12pt;margin-left:auto;margin-right:auto">
<tr>
<td style="width:49%;"></td>
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<td></td>
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<td style="vertical-align:bottom;"> <p style="font-family:Trebuchet MS;font-weight:bold;text-align:left;font-size:8pt;margin-bottom:0pt;margin-top:0pt">Noninterest Income </p> </td>
<td style="vertical-align:bottom;">&#160;</td>
<td colspan="2" style="vertical-align:bottom;"> <p style="font-family:Trebuchet MS;font-weight:bold;text-align:center;font-size:8pt;margin-bottom:0pt;margin-top:0pt"></p> </td>
<td style="vertical-align:bottom;font-weight:bold;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td colspan="2" style="vertical-align:bottom;"> <p style="font-family:Trebuchet MS;font-weight:bold;text-align:center;font-size:8pt;margin-bottom:0pt;margin-top:0pt"></p> </td>
<td style="vertical-align:bottom;font-weight:bold;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td colspan="2" style="vertical-align:bottom;"> <p style="font-family:Trebuchet MS;font-weight:bold;text-align:center;font-size:8pt;margin-bottom:0pt;margin-top:0pt"></p> </td>
<td style="vertical-align:bottom;font-weight:bold;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td colspan="14" style="border-bottom:1pt solid #000000;vertical-align:bottom;"> <p style="font-family:Trebuchet MS;font-weight:bold;text-align:center;font-size:8pt;margin-bottom:0pt;margin-top:0pt">4Q19 change from </p> </td>
<td>&#160;</td> </tr>
<tr style="page-break-inside:avoid;font-size:8pt;">
<td style="vertical-align:bottom;"> <p style="font-family:Trebuchet MS;text-align:left;font-size:8pt;margin-bottom:0pt;margin-top:0pt"> <span style="font-style:Italic">($s in millions)</span> </p> </td>
<td style="vertical-align:bottom;">&#160;</td>
<td colspan="2" style="vertical-align:bottom;"> <p style="font-family:Trebuchet MS;font-weight:bold;text-align:center;font-size:8pt;margin-bottom:0pt;margin-top:0pt">4Q19 </p> </td>
<td style="vertical-align:bottom;font-weight:bold;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td colspan="2" style="vertical-align:bottom;"> <p style="font-family:Trebuchet MS;font-weight:bold;text-align:center;font-size:8pt;margin-bottom:0pt;margin-top:0pt">3Q19 </p> </td>
<td style="vertical-align:bottom;font-weight:bold;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td colspan="2" style="vertical-align:bottom;"> <p style="font-family:Trebuchet MS;font-weight:bold;text-align:center;font-size:8pt;margin-bottom:0pt;margin-top:0pt">4Q18 </p> </td>
<td style="vertical-align:bottom;font-weight:bold;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td colspan="6" style="vertical-align:bottom;"> <p style="font-family:Trebuchet MS;font-weight:bold;text-align:center;font-size:8pt;margin-bottom:0pt;margin-top:0pt">3Q19 </p> </td>
<td>&#160;</td>
<td>&#160;</td>
<td colspan="6" style="vertical-align:bottom;"> <p style="font-family:Trebuchet MS;font-weight:bold;text-align:center;font-size:8pt;margin-bottom:0pt;margin-top:0pt">4Q18 </p> </td>
<td>&#160;</td> </tr>
<tr style="font-size:0pt;page-break-inside:avoid;">
<td colspan="13" style="border-bottom:1px solid #000000;vertical-align:bottom;">&#160;</td>
<td>&#160;</td>
<td colspan="6" style="border-bottom:1px solid #000000;vertical-align:bottom;">&#160;</td>
<td>&#160;</td>
<td>&#160;</td>
<td colspan="6" style="border-bottom:1px solid #000000;vertical-align:bottom;">&#160;</td>
<td>&#160;</td> </tr>
<tr style="page-break-inside:avoid;font-size:8pt;">
<td style="vertical-align:bottom;"> <p style="font-family:Trebuchet MS;font-weight:bold;text-align:center;font-size:8pt;margin-bottom:0pt;margin-top:0pt"></p> </td>
<td style="vertical-align:bottom;">&#160;</td>
<td colspan="2" style="vertical-align:bottom;"> <p style="font-family:Trebuchet MS;font-weight:bold;text-align:center;font-size:8pt;margin-bottom:0pt;margin-top:0pt"></p> </td>
<td style="vertical-align:bottom;font-weight:bold;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td colspan="2" style="vertical-align:bottom;"> <p style="font-family:Trebuchet MS;font-weight:bold;text-align:center;font-size:8pt;margin-bottom:0pt;margin-top:0pt"></p> </td>
<td style="vertical-align:bottom;font-weight:bold;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td colspan="2" style="vertical-align:bottom;"> <p style="font-family:Trebuchet MS;font-weight:bold;text-align:center;font-size:8pt;margin-bottom:0pt;margin-top:0pt"></p> </td>
<td style="vertical-align:bottom;font-weight:bold;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td colspan="2" style="vertical-align:bottom;"> <p style="font-family:Trebuchet MS;font-weight:bold;text-align:center;font-size:8pt;margin-bottom:0pt;margin-top:0pt">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;</p> </td>
<td style="vertical-align:bottom;font-weight:bold;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
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<td colspan="2" style="vertical-align:bottom;"> <p style="font-family:Trebuchet MS;font-weight:bold;text-align:center;font-size:8pt;margin-bottom:0pt;margin-top:0pt">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;%&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;</p> </td>
<td style="vertical-align:bottom;font-weight:bold;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
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<td colspan="2" style="vertical-align:bottom;"> <p style="font-family:Trebuchet MS;font-weight:bold;text-align:center;font-size:8pt;margin-bottom:0pt;margin-top:0pt">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;</p> </td>
<td style="vertical-align:bottom;font-weight:bold;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
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<td colspan="2" style="vertical-align:bottom;"> <p style="font-family:Trebuchet MS;font-weight:bold;text-align:center;font-size:8pt;margin-bottom:0pt;margin-top:0pt">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;%&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;</p> </td>
<td style="vertical-align:bottom;font-weight:bold;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td> </tr>
<tr style="font-size:0pt;page-break-inside:avoid;">
<td style="vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;padding-right:2pt;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;padding-right:2pt;">&#160;</td>
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<td style="vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;padding-right:2pt;">&#160;</td>
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<td colspan="6" style="border-bottom:1px solid #000000;vertical-align:bottom;">&#160;</td>
<td>&#160;</td>
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<td colspan="6" style="border-bottom:1px solid #000000;vertical-align:bottom;">&#160;</td>
<td>&#160;</td> </tr>
<tr style="background-color:#cceeff;page-break-inside:avoid;font-size:8pt;">
<td style="vertical-align:top;padding:0;"> <p style="font-family:Trebuchet MS;margin-left:1.00em;text-align:left;text-indent:-1.00em;font-size:8pt;margin-bottom:0pt;margin-top:0pt">Service charges and fees </p> </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">$</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">128 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">$</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">128 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">$</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">131 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;$</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">&#8212;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">&#8212;&#160;</p> </td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">% </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">$</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">(3) </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">(2)</p> </td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">&#160;% &#160;</td> </tr>
<tr style="page-break-inside:avoid;font-size:8pt;">
<td style="vertical-align:top;padding:0;"> <p style="font-family:Trebuchet MS;margin-left:1.00em;text-align:left;text-indent:-1.00em;font-size:8pt;margin-bottom:0pt;margin-top:0pt">Mortgage banking fees </p> </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">80 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">117 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">51 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">(37) </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">(32) </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">29&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">57&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td> </tr>
<tr style="background-color:#cceeff;page-break-inside:avoid;font-size:8pt;">
<td style="vertical-align:top;padding:0;"> <p style="font-family:Trebuchet MS;margin-left:1.00em;text-align:left;text-indent:-1.00em;font-size:8pt;margin-bottom:0pt;margin-top:0pt">Card fees </p> </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">64 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">67 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">62 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">(3) </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">(4) </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">2&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">3&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td> </tr>
<tr style="page-break-inside:avoid;font-size:8pt;">
<td style="vertical-align:top;padding:0;"> <p style="font-family:Trebuchet MS;margin-left:1.00em;text-align:left;text-indent:-1.00em;font-size:8pt;margin-bottom:0pt;margin-top:0pt">Capital markets fees </p> </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">66 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">39 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">45 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">27&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">69&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">21&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">47&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td> </tr>
<tr style="background-color:#cceeff;page-break-inside:avoid;font-size:8pt;">
<td style="vertical-align:top;padding:0;"> <p style="font-family:Trebuchet MS;margin-left:1.00em;text-align:left;text-indent:-1.00em;font-size:8pt;margin-bottom:0pt;margin-top:0pt">Trust and investment services fees </p> </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">52 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">50 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">43 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">2&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">4&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">9&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">21&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td> </tr>
<tr style="page-break-inside:avoid;font-size:8pt;">
<td style="vertical-align:top;padding:0;"> <p style="font-family:Trebuchet MS;margin-left:1.00em;text-align:left;text-indent:-1.00em;font-size:8pt;margin-bottom:0pt;margin-top:0pt">Foreign exchange and interest rate products </p> </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">49 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">35 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">34 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">14&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">40&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">15&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">44&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td> </tr>
<tr style="background-color:#cceeff;page-break-inside:avoid;font-size:8pt;">
<td style="vertical-align:top;padding:0;"> <p style="font-family:Trebuchet MS;margin-left:1.00em;text-align:left;text-indent:-1.00em;font-size:8pt;margin-bottom:0pt;margin-top:0pt">Letter of credit and loan fees </p> </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">35 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">34 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">34 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">1&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">3&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">1&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">3&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td> </tr>
<tr style="page-break-inside:avoid;font-size:8pt;">
<td style="vertical-align:top;padding:0;"> <p style="font-family:Trebuchet MS;margin-left:1.00em;text-align:left;text-indent:-1.00em;font-size:8pt;margin-bottom:0pt;margin-top:0pt">Securities gains, net </p> </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">4 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">3 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">6 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">1&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">33&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">(2) </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">(33) </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td> </tr>
<tr style="background-color:#cceeff;page-break-inside:avoid;font-size:8pt;">
<td style="vertical-align:top;padding:0;"> <p style="font-family:Trebuchet MS;margin-left:1.00em;text-align:left;text-indent:-1.00em;font-size:8pt;margin-bottom:0pt;margin-top:0pt">Other income<sup style="font-size:85%;vertical-align:top">(1)</sup></p> </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">16 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">20 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">15 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">(4) </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">(20) </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">1&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">7&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td> </tr>
<tr style="font-size:0pt;page-break-inside:avoid;">
<td colspan="13" style="border-bottom:1px solid #000000;vertical-align:bottom;">&#160;</td>
<td>&#160;</td>
<td style="border-bottom:1px solid #000000;vertical-align:bottom;">&#160;</td>
<td style="border-bottom:1px solid #000000;vertical-align:bottom;">&#160;</td>
<td style="padding-right:2pt;vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;padding-right:2pt;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="border-bottom:1px solid #000000;vertical-align:bottom;">&#160;</td>
<td style="border-bottom:1px solid #000000;vertical-align:bottom;">&#160;</td>
<td style="padding-right:2pt;vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;padding-right:2pt;">&#160;</td> </tr>
<tr style="page-break-inside:avoid;font-size:8pt;">
<td style="vertical-align:top;padding:0;"> <p style="font-family:Trebuchet MS;margin-left:1.00em;text-align:left;text-indent:-1.00em;font-size:8pt;margin-bottom:0pt;margin-top:0pt">Noninterest income </p> </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">$</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">494 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">$</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">493 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">$</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">421 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;$</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">1&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">&#8212;&#160;</p> </td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">% </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">$</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">73&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">17&#160;</p> </td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">% </td> </tr>
<tr style="font-size:0pt;page-break-inside:avoid;">
<td colspan="13" style="border-bottom:1px solid #000000;vertical-align:bottom;">&#160;</td>
<td>&#160;</td>
<td style="border-bottom:1px solid #000000;vertical-align:bottom;">&#160;</td>
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<td style="padding-right:2pt;vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;padding-right:2pt;">&#160;</td>
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<td style="border-bottom:1px solid #000000;vertical-align:bottom;">&#160;</td>
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<td style="padding-right:2pt;vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;padding-right:2pt;">&#160;</td> </tr>
<tr style="background-color:#cceeff;page-break-inside:avoid;font-size:8pt;">
<td style="vertical-align:top;padding:0;"> <p style="font-family:Trebuchet MS;margin-left:1.00em;text-align:left;text-indent:-1.00em;font-size:8pt;margin-bottom:0pt;margin-top:0pt">Notable items </p> </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">$</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">&#8212; </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
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<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">$</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">&#8212; </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
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<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">$</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">(5</p> </td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">) </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;$</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">&#8212;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">&#8212;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">$</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">5&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">100&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td> </tr>
<tr style="font-size:0pt;page-break-inside:avoid;">
<td colspan="13" style="border-bottom:1px solid #000000;vertical-align:bottom;">&#160;</td>
<td>&#160;</td>
<td style="border-bottom:1px solid #000000;vertical-align:bottom;">&#160;</td>
<td style="border-bottom:1px solid #000000;vertical-align:bottom;">&#160;</td>
<td style="padding-right:2pt;vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;padding-right:2pt;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="border-bottom:1px solid #000000;vertical-align:bottom;">&#160;</td>
<td style="border-bottom:1px solid #000000;vertical-align:bottom;">&#160;</td>
<td style="padding-right:2pt;vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;padding-right:2pt;">&#160;</td> </tr>
<tr style="page-break-inside:avoid;font-size:8pt;">
<td style="vertical-align:top;padding:0;"> <p style="font-family:Trebuchet MS;margin-left:1.00em;text-align:left;text-indent:-1.00em;font-size:8pt;margin-bottom:0pt;margin-top:0pt">Underlying noninterest income </p> </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">$</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;494 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">$</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;493 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">$</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;426 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;$</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">1&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">&#8212;&#160;</p> </td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">% </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">$</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">68&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">16&#160;</p> </td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">% </td> </tr>
<tr style="font-size:0pt;page-break-inside:avoid;">
<td colspan="13" style="border-bottom:1px solid #000000;vertical-align:bottom;">&#160;</td>
<td>&#160;</td>
<td style="border-bottom:1px solid #000000;vertical-align:bottom;">&#160;</td>
<td style="border-bottom:1px solid #000000;vertical-align:bottom;">&#160;</td>
<td style="padding-right:2pt;vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;padding-right:2pt;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="border-bottom:1px solid #000000;vertical-align:bottom;">&#160;</td>
<td style="border-bottom:1px solid #000000;vertical-align:bottom;">&#160;</td>
<td style="padding-right:2pt;vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;padding-right:2pt;">&#160;</td> </tr> </table> <p style="font-family:Trebuchet MS;text-align:left;font-size:7pt;margin-bottom:0pt;margin-top:0pt">1) Other income includes bank-owned life insurance and other income. </p> <div></div> <p style="margin-top:1em;margin-bottom:0em"></p>
 <div style="width:100%"> <p style="font-family:Trebuchet MS;text-align:center;font-size:10pt;margin-bottom:0pt;margin-top:0pt">13</p> <div></div> </div>

 </div>



<p style='page-break-before:always'> </p>
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 <div style="font-size:10pt;width:100%"> <p style="font-family:Trebuchet MS;text-align:justify;font-size:10pt;margin-bottom:0pt;margin-top:0pt">Noninterest income of $494&#160;million increased $73&#160;million, or 17%, from fourth quarter 2018, reflecting the impact of investments to broaden and enhance our fee income capabilities. Underlying noninterest income increased 16% driven by strong mortgage banking fees related to higher origination volumes, record results in capital markets and foreign exchange and interest rate products and solid performance in trust and investment services fees. </p> <p style="font-family:Trebuchet MS;text-align:justify;font-size:10pt;margin-bottom:0px;margin-top:12pt">Compared with third quarter 2019, record noninterest income reflects record results in capital markets and foreign exchange and interest rate products and solid results in trust and investment services fees were offset by a decrease in mortgage banking fees from record third quarter 2019 levels. Other income declined from higher third quarter 2019 levels that included a $7&#160;million benefit related to the lease transaction. </p>
<table cellspacing="0" cellpadding="0" border="0" style="font-size:8pt;border-collapse:separate;border-spacing:0;width:100%;margin-bottom:0px;margin-top:12pt;margin-left:auto;margin-right:auto">
<tr>
<td style="width:54%;"></td>
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<td></td>
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<td style="width:2%;"></td>
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<td></td>
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<td></td>
<td></td>
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<td style="vertical-align:bottom;"> <p style="font-family:Trebuchet MS;font-weight:bold;text-align:left;font-size:8pt;margin-bottom:0pt;margin-top:0pt">&#160;&#160;Noninterest Expense </p> </td>
<td style="vertical-align:bottom;">&#160;</td>
<td colspan="2" style="vertical-align:bottom;"> <p style="font-family:Trebuchet MS;font-weight:bold;text-align:center;font-size:8pt;margin-bottom:0pt;margin-top:0pt"></p> </td>
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<td style="vertical-align:bottom;">&#160;</td>
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<td style="vertical-align:bottom;font-weight:bold;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
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<tr style="page-break-inside:avoid;font-size:8pt;">
<td style="vertical-align:bottom;"> <p style="font-family:Trebuchet MS;text-align:left;font-size:8pt;margin-bottom:0pt;margin-top:0pt"> <span style="font-style:Italic">&#160;&#160;($s in millions)</span> </p> </td>
<td style="vertical-align:bottom;">&#160;</td>
<td colspan="2" style="vertical-align:bottom;"> <p style="font-family:Trebuchet MS;font-weight:bold;text-align:right;font-size:8pt;margin-bottom:0pt;margin-top:0pt">4Q19&#160;&#160;</p> </td>
<td style="vertical-align:bottom;font-weight:bold;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td colspan="2" style="vertical-align:bottom;"> <p style="font-family:Trebuchet MS;font-weight:bold;text-align:right;font-size:8pt;margin-bottom:0pt;margin-top:0pt">3Q19&#160;&#160;</p> </td>
<td style="vertical-align:bottom;font-weight:bold;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td colspan="2" style="vertical-align:bottom;"> <p style="font-family:Trebuchet MS;font-weight:bold;text-align:right;font-size:8pt;margin-bottom:0pt;margin-top:0pt">4Q18&#160;&#160;</p> </td>
<td style="vertical-align:bottom;font-weight:bold;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td colspan="6" style="vertical-align:bottom;"> <p style="font-family:Trebuchet MS;font-weight:bold;text-align:center;font-size:8pt;margin-bottom:0pt;margin-top:0pt">3Q19 </p> </td>
<td>&#160;</td>
<td>&#160;</td>
<td colspan="5" style="vertical-align:bottom;"> <p style="font-family:Trebuchet MS;font-weight:bold;text-align:center;font-size:8pt;margin-bottom:0pt;margin-top:0pt">4Q18 </p> </td> </tr>
<tr style="font-size:0pt;page-break-inside:avoid;">
<td colspan="13" style="border-bottom:1px solid #000000;vertical-align:bottom;">&#160;</td>
<td>&#160;</td>
<td colspan="6" style="border-bottom:1px solid #000000;vertical-align:bottom;">&#160;</td>
<td>&#160;</td>
<td>&#160;</td>
<td colspan="5" style="border-bottom:1px solid #000000;vertical-align:bottom;">&#160;</td> </tr>
<tr style="page-break-inside:avoid;font-size:8pt;">
<td style="vertical-align:bottom;"> <p style="font-family:Trebuchet MS;font-weight:bold;text-align:center;font-size:8pt;margin-bottom:0pt;margin-top:0pt"></p> </td>
<td style="vertical-align:bottom;">&#160;</td>
<td colspan="2" style="vertical-align:bottom;"> <p style="font-family:Trebuchet MS;font-weight:bold;text-align:center;font-size:8pt;margin-bottom:0pt;margin-top:0pt"></p> </td>
<td style="vertical-align:bottom;font-weight:bold;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td colspan="2" style="vertical-align:bottom;"> <p style="font-family:Trebuchet MS;font-weight:bold;text-align:center;font-size:8pt;margin-bottom:0pt;margin-top:0pt"></p> </td>
<td style="vertical-align:bottom;font-weight:bold;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td colspan="2" style="vertical-align:bottom;"> <p style="font-family:Trebuchet MS;font-weight:bold;text-align:center;font-size:8pt;margin-bottom:0pt;margin-top:0pt"></p> </td>
<td style="vertical-align:bottom;font-weight:bold;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td colspan="2" style="vertical-align:bottom;"> <p style="font-family:Trebuchet MS;font-weight:bold;text-align:center;font-size:8pt;margin-bottom:0pt;margin-top:0pt">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;</p> </td>
<td style="vertical-align:bottom;font-weight:bold;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td colspan="2" style="vertical-align:bottom;"> <p style="font-family:Trebuchet MS;font-weight:bold;text-align:center;font-size:8pt;margin-bottom:0pt;margin-top:0pt">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;%&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;</p> </td>
<td style="vertical-align:bottom;font-weight:bold;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td colspan="2" style="vertical-align:bottom;"> <p style="font-family:Trebuchet MS;font-weight:bold;text-align:center;font-size:8pt;margin-bottom:0pt;margin-top:0pt">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;</p> </td>
<td style="vertical-align:bottom;font-weight:bold;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;"> <p style="font-family:Trebuchet MS;font-weight:bold;text-align:center;font-size:8pt;margin-bottom:0pt;margin-top:0pt">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;%&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;</p> </td> </tr>
<tr style="font-size:0pt;page-break-inside:avoid;">
<td style="vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;padding-right:2pt;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;padding-right:2pt;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;padding-right:2pt;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td colspan="6" style="border-bottom:1px solid #000000;vertical-align:bottom;">&#160;</td>
<td>&#160;</td>
<td>&#160;</td>
<td colspan="5" style="border-bottom:1px solid #000000;vertical-align:bottom;">&#160;</td> </tr>
<tr style="background-color:#cceeff;page-break-inside:avoid;font-size:8pt;">
<td style="vertical-align:top;padding:0;"> <p style="font-family:Trebuchet MS;margin-left:0.50em;text-align:left;font-size:8pt;margin-bottom:0pt;margin-top:0pt">Salaries and employee benefits </p> </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">$</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;502&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">$</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;508&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">$</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;483&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;&#160;$</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">(6)&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">(1)&#160;%&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">$</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">19&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;"> <p style="font-family:Trebuchet MS;text-align:right;font-size:8pt;margin-bottom:0pt;margin-top:0pt">4&#160;&#160;% </p> </td> </tr>
<tr style="page-break-inside:avoid;font-size:8pt;">
<td style="vertical-align:top;padding:0;"> <p style="font-family:Trebuchet MS;margin-left:0.50em;text-align:left;font-size:8pt;margin-bottom:0pt;margin-top:0pt">Equipment and software expense </p> </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">133&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">130&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">124&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">3&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">2&#160;&#160;&#160;&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">9&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;"> <p style="font-family:Trebuchet MS;text-align:right;font-size:8pt;margin-bottom:0pt;margin-top:0pt">7&#160;&#160;&#160;&#160;</p> </td> </tr>
<tr style="background-color:#cceeff;page-break-inside:avoid;font-size:8pt;">
<td style="vertical-align:top;padding:0;"> <p style="font-family:Trebuchet MS;margin-left:0.50em;text-align:left;font-size:8pt;margin-bottom:0pt;margin-top:0pt">Outside services </p> </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">142&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">128&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">135&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">14&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">11&#160;&#160;&#160;&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">7&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;"> <p style="font-family:Trebuchet MS;text-align:right;font-size:8pt;margin-bottom:0pt;margin-top:0pt">5&#160;&#160;&#160;&#160;</p> </td> </tr>
<tr style="page-break-inside:avoid;font-size:8pt;">
<td style="vertical-align:top;padding:0;"> <p style="font-family:Trebuchet MS;margin-left:0.50em;text-align:left;font-size:8pt;margin-bottom:0pt;margin-top:0pt">Occupancy </p> </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">88&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">80&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">92&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">8&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">10&#160;&#160;&#160;&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">(4)&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;"> <p style="font-family:Trebuchet MS;text-align:right;font-size:8pt;margin-bottom:0pt;margin-top:0pt">(4)&#160;&#160;&#160;</p> </td> </tr>
<tr style="background-color:#cceeff;page-break-inside:avoid;font-size:8pt;">
<td style="vertical-align:top;padding:0;"> <p style="font-family:Trebuchet MS;margin-left:0.50em;text-align:left;font-size:8pt;margin-bottom:0pt;margin-top:0pt">Other operating expense </p> </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">121&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">127&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">117&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">(6)&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">(5)&#160;&#160;&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">4&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;"> <p style="font-family:Trebuchet MS;text-align:right;font-size:8pt;margin-bottom:0pt;margin-top:0pt">3&#160;&#160;&#160;&#160;</p> </td> </tr>
<tr style="font-size:0pt;page-break-inside:avoid;">
<td colspan="13" style="border-bottom:1px solid #000000;vertical-align:bottom;">&#160;</td>
<td>&#160;</td>
<td style="border-bottom:1px solid #000000;vertical-align:bottom;">&#160;</td>
<td style="border-bottom:1px solid #000000;vertical-align:bottom;">&#160;</td>
<td style="padding-right:2pt;vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;padding-right:2pt;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="border-bottom:1px solid #000000;vertical-align:bottom;">&#160;</td>
<td style="border-bottom:1px solid #000000;vertical-align:bottom;">&#160;</td>
<td style="padding-right:2pt;vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td> </tr>
<tr style="page-break-inside:avoid;font-size:8pt;">
<td style="vertical-align:top;padding:0;"> <p style="font-family:Trebuchet MS;margin-left:0.50em;text-align:left;font-size:8pt;margin-bottom:0pt;margin-top:0pt">Noninterest expense </p> </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">$</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">986&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">$</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">973&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">$</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">951&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;&#160;$</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">13&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">1&#160;&#160;%&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">$</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">35&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;"> <p style="font-family:Trebuchet MS;text-align:right;font-size:8pt;margin-bottom:0pt;margin-top:0pt">4&#160;&#160;% </p> </td> </tr>
<tr style="font-size:0pt;page-break-inside:avoid;">
<td colspan="13" style="border-bottom:1px solid #000000;vertical-align:bottom;">&#160;</td>
<td>&#160;</td>
<td style="border-bottom:1px solid #000000;vertical-align:bottom;">&#160;</td>
<td style="border-bottom:1px solid #000000;vertical-align:bottom;">&#160;</td>
<td style="padding-right:2pt;vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;padding-right:2pt;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="border-bottom:1px solid #000000;vertical-align:bottom;">&#160;</td>
<td style="border-bottom:1px solid #000000;vertical-align:bottom;">&#160;</td>
<td style="padding-right:2pt;vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td> </tr>
<tr style="background-color:#cceeff;page-break-inside:avoid;font-size:8pt;">
<td style="vertical-align:top;padding:0;"> <p style="font-family:Trebuchet MS;margin-left:0.50em;text-align:left;font-size:8pt;margin-bottom:0pt;margin-top:0pt">Notable items </p> </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">$</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">37&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">$</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">19&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">$</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">45&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;&#160;$</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">18&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">95&#160;&#160;%&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">$</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">(8)&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;"> <p style="font-family:Trebuchet MS;text-align:right;font-size:8pt;margin-bottom:0pt;margin-top:0pt">(18)% </p> </td> </tr>
<tr style="font-size:0pt;page-break-inside:avoid;">
<td colspan="13" style="border-bottom:1px solid #000000;vertical-align:bottom;">&#160;</td>
<td>&#160;</td>
<td style="border-bottom:1px solid #000000;vertical-align:bottom;">&#160;</td>
<td style="border-bottom:1px solid #000000;vertical-align:bottom;">&#160;</td>
<td style="padding-right:2pt;vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;padding-right:2pt;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="border-bottom:1px solid #000000;vertical-align:bottom;">&#160;</td>
<td style="border-bottom:1px solid #000000;vertical-align:bottom;">&#160;</td>
<td style="padding-right:2pt;vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td> </tr>
<tr style="page-break-inside:avoid;font-size:8pt;">
<td style="vertical-align:top;padding:0;"> <p style="font-family:Trebuchet MS;margin-left:0.50em;text-align:left;font-size:8pt;margin-bottom:0pt;margin-top:0pt">Underlying, as applicable </p> </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;"> <p style="font-family:Trebuchet MS;text-align:right;font-size:8pt;margin-bottom:0pt;margin-top:0pt"></p> </td> </tr>
<tr style="font-size:0pt;page-break-inside:avoid;">
<td colspan="13" style="border-bottom:1px solid #000000;vertical-align:bottom;">&#160;</td>
<td>&#160;</td>
<td style="border-bottom:1px solid #000000;vertical-align:bottom;">&#160;</td>
<td style="border-bottom:1px solid #000000;vertical-align:bottom;">&#160;</td>
<td style="padding-right:2pt;vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;padding-right:2pt;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="border-bottom:1px solid #000000;vertical-align:bottom;">&#160;</td>
<td style="border-bottom:1px solid #000000;vertical-align:bottom;">&#160;</td>
<td style="padding-right:2pt;vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="border-bottom:1px solid #000000;vertical-align:bottom;">&#160;</td> </tr>
<tr style="background-color:#cceeff;page-break-inside:avoid;font-size:8pt;">
<td style="vertical-align:top;padding:0;"> <p style="font-family:Trebuchet MS;margin-left:0.50em;text-align:left;font-size:8pt;margin-bottom:0pt;margin-top:0pt">Salaries and employee benefits </p> </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">$</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">496&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">$</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">503&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">$</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">477&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;&#160;$</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">(7)&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">(1)&#160;%&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">$</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">19&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;"> <p style="font-family:Trebuchet MS;text-align:right;font-size:8pt;margin-bottom:0pt;margin-top:0pt">4&#160;&#160;% </p> </td> </tr>
<tr style="page-break-inside:avoid;font-size:8pt;">
<td style="vertical-align:top;padding:0;"> <p style="font-family:Trebuchet MS;margin-left:0.50em;text-align:left;font-size:8pt;margin-bottom:0pt;margin-top:0pt">Equipment and software expense </p> </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">130&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">130&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">121&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">&#8212;&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">&#8212;&#160;&#160;&#160;&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">9&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;"> <p style="font-family:Trebuchet MS;text-align:right;font-size:8pt;margin-bottom:0pt;margin-top:0pt">7&#160;&#160;&#160;&#160;</p> </td> </tr>
<tr style="background-color:#cceeff;page-break-inside:avoid;font-size:8pt;">
<td style="vertical-align:top;padding:0;"> <p style="font-family:Trebuchet MS;margin-left:0.50em;text-align:left;font-size:8pt;margin-bottom:0pt;margin-top:0pt">Outside services </p> </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">122&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">114&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">116&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
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<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">8&#160;&#160;</p> </td>
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<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">7&#160;&#160;&#160;&#160;&#160;</p> </td>
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<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">6&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;"> <p style="font-family:Trebuchet MS;text-align:right;font-size:8pt;margin-bottom:0pt;margin-top:0pt">5&#160;&#160;&#160;&#160;</p> </td> </tr>
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<td style="vertical-align:top;padding:0;"> <p style="font-family:Trebuchet MS;margin-left:0.50em;text-align:left;font-size:8pt;margin-bottom:0pt;margin-top:0pt">Occupancy </p> </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">80&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
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<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">80&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
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<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">76&#160;&#160;</p> </td>
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<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">&#8212;&#160;&#160;</p> </td>
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<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">&#8212;&#160;&#160;&#160;&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
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<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">4&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;"> <p style="font-family:Trebuchet MS;text-align:right;font-size:8pt;margin-bottom:0pt;margin-top:0pt">5&#160;&#160;&#160;&#160;</p> </td> </tr>
<tr style="background-color:#cceeff;page-break-inside:avoid;font-size:8pt;">
<td style="vertical-align:top;padding:0;"> <p style="font-family:Trebuchet MS;margin-left:0.50em;text-align:left;font-size:8pt;margin-bottom:0pt;margin-top:0pt">Other operating expense </p> </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">121&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">127&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">116&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">(6)&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">(5)&#160;&#160;&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
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<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">5&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
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<td style="vertical-align:bottom;"> <p style="font-family:Trebuchet MS;text-align:right;font-size:8pt;margin-bottom:0pt;margin-top:0pt">4&#160;&#160;&#160;&#160;</p> </td> </tr>
<tr style="font-size:0pt;page-break-inside:avoid;">
<td colspan="13" style="border-bottom:1px solid #000000;vertical-align:bottom;">&#160;</td>
<td>&#160;</td>
<td style="border-bottom:1px solid #000000;vertical-align:bottom;">&#160;</td>
<td style="border-bottom:1px solid #000000;vertical-align:bottom;">&#160;</td>
<td style="padding-right:2pt;vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
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<td style="vertical-align:bottom;padding-right:2pt;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="border-bottom:1px solid #000000;vertical-align:bottom;">&#160;</td>
<td style="border-bottom:1px solid #000000;vertical-align:bottom;">&#160;</td>
<td style="padding-right:2pt;vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td> </tr>
<tr style="page-break-inside:avoid;font-size:8pt;">
<td style="vertical-align:top;padding:0;"> <p style="font-family:Trebuchet MS;margin-left:0.50em;text-align:left;font-size:8pt;margin-bottom:0pt;margin-top:0pt">Underlying noninterest expense </p> </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">$</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">949&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">$</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">954&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">$</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">906&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;&#160;$</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">(5)&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">(1)&#160;%&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">$</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">43&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;"> <p style="font-family:Trebuchet MS;text-align:right;font-size:8pt;margin-bottom:0pt;margin-top:0pt">5&#160;&#160;% </p> </td> </tr>
<tr style="font-size:0pt;page-break-inside:avoid;">
<td colspan="13" style="border-bottom:1px solid #000000;vertical-align:bottom;">&#160;</td>
<td>&#160;</td>
<td style="border-bottom:1px solid #000000;vertical-align:bottom;">&#160;</td>
<td style="border-bottom:1px solid #000000;vertical-align:bottom;">&#160;</td>
<td style="padding-right:2pt;vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;padding-right:2pt;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="border-bottom:1px solid #000000;vertical-align:bottom;">&#160;</td>
<td style="border-bottom:1px solid #000000;vertical-align:bottom;">&#160;</td>
<td style="padding-right:2pt;vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td> </tr> </table> <p style="font-family:Trebuchet MS;text-align:justify;font-size:10pt;margin-bottom:0px;margin-top:12pt">Fourth quarter 2019 noninterest expense of $986&#160;million increased $35&#160;million, or 4%, from fourth quarter 2018. Underlying noninterest expense of $949&#160;million increased $43&#160;million, or 5%, largely reflecting an increase in salaries and employee benefits given the impact of annual merit increases and revenue-based incentives,&#32;as well as an increase in equipment and software expense and outside services. </p> <p style="font-family:Trebuchet MS;text-align:justify;font-size:10pt;margin-bottom:0px;margin-top:12pt">Compared with third quarter 2019, noninterest expense increased $13&#160;million, or 1%. Underlying noninterest expense of $949&#160;million decreased $5&#160;million, or 1%, from higher third quarter 2019 levels that included $10&#160;million related to the lease transaction. Results also reflect continued focus on expense discipline and the benefit of TOP efficiency initiatives. Lower salaries and employee benefits tied to efficiency initiatives and lower incentive compensation were offset by higher outside services expense, which includes the impact of higher retail loan origination activity and seasonality. </p> <p style="font-family:Trebuchet MS;text-align:justify;font-size:10pt;margin-bottom:0px;margin-top:12pt">The fourth quarter 2019 effective tax rate of 16.8% reflects the impact of notable items including a tax benefit related to legacy tax matters. On an Underlying basis, the effective tax rate of 21.5% was broadly stable and compares to 21.9% for fourth quarter 2018 and 22.3% for third quarter 2019. </p> <div></div> <p style="margin-top:1em;margin-bottom:0em"></p>
 <div style="width:100%"> <p style="font-family:Trebuchet MS;text-align:center;font-size:10pt;margin-bottom:0pt;margin-top:0pt">14</p> <div></div> </div>

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<td style="vertical-align:bottom;"> <p style="font-family:Trebuchet MS;font-weight:bold;text-align:left;font-size:8pt;margin-bottom:0pt;margin-top:0pt">Consolidated balance sheet review<sup style="font-size:85%;vertical-align:top">(1)</sup></p> </td>
<td style="vertical-align:bottom;">&#160;</td>
<td colspan="2" style="vertical-align:bottom;"> <p style="font-family:Trebuchet MS;font-weight:bold;text-align:center;font-size:8pt;margin-bottom:0pt;margin-top:0pt"></p> </td>
<td style="vertical-align:bottom;font-weight:bold;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td colspan="2" style="vertical-align:bottom;"> <p style="font-family:Trebuchet MS;font-weight:bold;text-align:center;font-size:8pt;margin-bottom:0pt;margin-top:0pt"></p> </td>
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<td style="vertical-align:bottom;">&#160;</td>
<td colspan="2" style="vertical-align:bottom;"> <p style="font-family:Trebuchet MS;font-weight:bold;text-align:center;font-size:8pt;margin-bottom:0pt;margin-top:0pt"></p> </td>
<td style="vertical-align:bottom;font-weight:bold;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td colspan="14" style="vertical-align:bottom;"> <p style="font-family:Trebuchet MS;font-weight:bold;text-align:center;font-size:8pt;margin-bottom:0pt;margin-top:0pt">4Q19 change from </p> </td>
<td>&#160;</td> </tr>
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<td style="vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
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<td style="vertical-align:bottom;padding-right:2pt;">&#160;</td>
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<td colspan="14" style="border-bottom:1px solid #000000;vertical-align:bottom;">&#160;</td>
<td>&#160;</td> </tr>
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<td style="vertical-align:bottom;"> <p style="font-family:Trebuchet MS;font-weight:bold;text-align:left;font-size:8pt;margin-bottom:0pt;margin-top:0pt"> <span style="font-style:Italic">($s in millions)</span> </p> </td>
<td style="vertical-align:bottom;">&#160;</td>
<td colspan="2" style="vertical-align:bottom;"> <p style="font-family:Trebuchet MS;font-weight:bold;text-align:right;font-size:8pt;margin-bottom:0pt;margin-top:0pt">4Q19 </p> </td>
<td style="vertical-align:bottom;font-weight:bold;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td colspan="2" style="vertical-align:bottom;"> <p style="font-family:Trebuchet MS;font-weight:bold;text-align:right;font-size:8pt;margin-bottom:0pt;margin-top:0pt">3Q19 </p> </td>
<td style="vertical-align:bottom;font-weight:bold;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td colspan="2" style="vertical-align:bottom;"> <p style="font-family:Trebuchet MS;font-weight:bold;text-align:right;font-size:8pt;margin-bottom:0pt;margin-top:0pt">4Q18&#160;&#160;&#160;&#160;</p> </td>
<td style="vertical-align:bottom;font-weight:bold;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td colspan="6" style="vertical-align:bottom;"> <p style="font-family:Trebuchet MS;font-weight:bold;text-align:center;font-size:8pt;margin-bottom:0pt;margin-top:0pt">3Q19 </p> </td>
<td>&#160;</td>
<td>&#160;</td>
<td colspan="6" style="vertical-align:bottom;"> <p style="font-family:Trebuchet MS;font-weight:bold;text-align:center;font-size:8pt;margin-bottom:0pt;margin-top:0pt">4Q18 </p> </td>
<td>&#160;</td> </tr>
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<td colspan="13" style="border-bottom:1px solid #000000;vertical-align:bottom;">&#160;</td>
<td>&#160;</td>
<td colspan="6" style="border-bottom:1px solid #000000;vertical-align:bottom;">&#160;</td>
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<td>&#160;</td>
<td colspan="6" style="border-bottom:1px solid #000000;vertical-align:bottom;">&#160;</td>
<td>&#160;</td> </tr>
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<td style="vertical-align:bottom;"> <p style="font-family:Trebuchet MS;font-weight:bold;text-align:center;font-size:8pt;margin-bottom:0pt;margin-top:0pt"></p> </td>
<td style="vertical-align:bottom;">&#160;</td>
<td colspan="2" style="vertical-align:bottom;"> <p style="font-family:Trebuchet MS;font-weight:bold;text-align:center;font-size:8pt;margin-bottom:0pt;margin-top:0pt"></p> </td>
<td style="vertical-align:bottom;font-weight:bold;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td colspan="2" style="vertical-align:bottom;"> <p style="font-family:Trebuchet MS;font-weight:bold;text-align:center;font-size:8pt;margin-bottom:0pt;margin-top:0pt"></p> </td>
<td style="vertical-align:bottom;font-weight:bold;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td colspan="2" style="vertical-align:bottom;"> <p style="font-family:Trebuchet MS;font-weight:bold;text-align:center;font-size:8pt;margin-bottom:0pt;margin-top:0pt"></p> </td>
<td style="vertical-align:bottom;font-weight:bold;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td colspan="2" style="vertical-align:bottom;"> <p style="font-family:Trebuchet MS;font-weight:bold;text-align:center;font-size:8pt;margin-bottom:0pt;margin-top:0pt">$/bps </p> </td>
<td style="vertical-align:bottom;font-weight:bold;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td colspan="2" style="vertical-align:bottom;"> <p style="font-family:Trebuchet MS;font-weight:bold;text-align:center;font-size:8pt;margin-bottom:0pt;margin-top:0pt">% </p> </td>
<td style="vertical-align:bottom;font-weight:bold;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td colspan="2" style="vertical-align:bottom;"> <p style="font-family:Trebuchet MS;font-weight:bold;text-align:center;font-size:8pt;margin-bottom:0pt;margin-top:0pt">$/bps </p> </td>
<td style="vertical-align:bottom;font-weight:bold;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td colspan="2" style="vertical-align:bottom;"> <p style="font-family:Trebuchet MS;font-weight:bold;text-align:center;font-size:8pt;margin-bottom:0pt;margin-top:0pt">% </p> </td>
<td style="vertical-align:bottom;font-weight:bold;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td> </tr>
<tr style="font-size:0pt;page-break-inside:avoid;">
<td style="vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;padding-right:2pt;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;padding-right:2pt;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;padding-right:2pt;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td colspan="6" style="border-bottom:1px solid #000000;vertical-align:bottom;">&#160;</td>
<td>&#160;</td>
<td>&#160;</td>
<td colspan="6" style="border-bottom:1px solid #000000;vertical-align:bottom;">&#160;</td>
<td>&#160;</td> </tr>
<tr style="background-color:#cceeff;page-break-inside:avoid;font-size:8pt;">
<td style="vertical-align:top;padding:0;"> <p style="font-family:Trebuchet MS;margin-left:1.00em;text-align:left;text-indent:-1.00em;font-size:8pt;margin-bottom:0pt;margin-top:0pt">Total assets </p> </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">$</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">165,733 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">$</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">164,362 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">$</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">160,518&#160;&#160;&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">$</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">1,371 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">1&#160;%&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;&#160;$</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">5,215 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">3&#160;%&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td> </tr>
<tr style="page-break-inside:avoid;font-size:8pt;">
<td style="vertical-align:top;padding:0;"> <p style="font-family:Trebuchet MS;margin-left:1.00em;text-align:left;text-indent:-1.00em;font-size:8pt;margin-bottom:0pt;margin-top:0pt">Total loans and leases </p> </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">119,088 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">117,880 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">116,660&#160;&#160;&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">1,208 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">1&#160;&#160;&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">2,428 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">2&#160;&#160;&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td> </tr>
<tr style="background-color:#cceeff;page-break-inside:avoid;font-size:8pt;">
<td style="vertical-align:top;padding:0;"> <p style="font-family:Trebuchet MS;margin-left:1.00em;text-align:left;text-indent:-1.00em;font-size:8pt;margin-bottom:0pt;margin-top:0pt">Total loans held for sale </p> </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">3,330 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">2,015 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">1,320&#160;&#160;&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">1,315 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">65&#160;&#160;&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">2,010 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">152&#160;&#160;&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td> </tr>
<tr style="page-break-inside:avoid;font-size:8pt;">
<td style="vertical-align:top;padding:0;"> <p style="font-family:Trebuchet MS;margin-left:1.00em;text-align:left;text-indent:-1.00em;font-size:8pt;margin-bottom:0pt;margin-top:0pt">Deposits </p> </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">125,313 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">124,714 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">119,575&#160;&#160;&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">599 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">&#8212;&#160;&#160;&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">5,738 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">5&#160;&#160;&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td> </tr>
<tr style="background-color:#cceeff;page-break-inside:avoid;font-size:8pt;">
<td style="vertical-align:top;padding:0;"> <p style="font-family:Trebuchet MS;margin-left:1.00em;text-align:left;text-indent:-1.00em;font-size:8pt;margin-bottom:0pt;margin-top:0pt">Stockholders&#8217; equity </p> </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">22,201 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">21,851 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">20,817&#160;&#160;&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">350 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">2&#160;&#160;&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">1,384 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">7&#160;&#160;&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td> </tr>
<tr style="page-break-inside:avoid;font-size:8pt;">
<td style="vertical-align:top;padding:0;"> <p style="font-family:Trebuchet MS;margin-left:1.00em;text-align:left;text-indent:-1.00em;font-size:8pt;margin-bottom:0pt;margin-top:0pt">Stockholders&#8217; common equity </p> </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">20,631 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">20,718 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">19,977&#160;&#160;&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">(87</p> </td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">) </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">&#8212;&#160;&#160;&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">654 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">3&#160;&#160;&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td> </tr>
<tr style="background-color:#cceeff;page-break-inside:avoid;font-size:8pt;">
<td style="vertical-align:top;padding:0;"> <p style="font-family:Trebuchet MS;margin-left:1.00em;text-align:left;text-indent:-1.00em;font-size:8pt;margin-bottom:0pt;margin-top:0pt">Tangible common equity </p> </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">$</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">13,893 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">$</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">13,976 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">$</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">13,389&#160;&#160;&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">$</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">(83</p> </td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">) </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">(1)&#160;% </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;&#160;$</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">504 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">4&#160;%&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td> </tr>
<tr style="page-break-inside:avoid;font-size:8pt;">
<td style="vertical-align:top;padding:0;"> <p style="font-family:Trebuchet MS;margin-left:1.00em;text-align:left;text-indent:-1.00em;font-size:8pt;margin-bottom:0pt;margin-top:0pt"> <span style="white-space:nowrap">Loan-to-deposit</span> ratio <span style="white-space:nowrap">(period-end)</span><sup style="font-size:85%;vertical-align:top">(2)</sup></p> </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">95.0</p> </td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">&#160;&#160;&#160;&#160;% </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">94.5</p> </td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">&#160;&#160;&#160;&#160;% </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">97.6&#160;&#160;&#160;&#160;</p> </td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">% </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">51</p> </td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">&#160;&#160;bps </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt"></p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">(253&#160;&#160;bps </p> </td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">)</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt"></p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td> </tr>
<tr style="background-color:#cceeff;page-break-inside:avoid;font-size:8pt;">
<td style="vertical-align:top;padding:0;"> <p style="font-family:Trebuchet MS;margin-left:1.00em;text-align:left;text-indent:-1.00em;font-size:8pt;margin-bottom:0pt;margin-top:0pt">Loans to deposit ratio (average)<sup style="font-size:85%;vertical-align:top">(2)</sup></p> </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">94.6 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">94.6 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">98.4&#160;&#160;&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">1 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt"></p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">(378</p> </td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">) </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt"></p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td> </tr>
<tr style="page-break-inside:avoid;font-size:8pt;">
<td style="vertical-align:top;padding:0;"> <p style="font-family:Trebuchet MS;margin-left:1.00em;text-align:left;text-indent:-1.00em;font-size:8pt;margin-bottom:0pt;margin-top:0pt">Common equity tier 1 capital ratio<sup style="font-size:85%;vertical-align:top">(3)</sup></p> </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">10.0 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">10.3 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">10.6&#160;&#160;&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt"></p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt"></p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt"></p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt"></p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td> </tr>
<tr style="background-color:#cceeff;page-break-inside:avoid;font-size:8pt;">
<td style="vertical-align:top;padding:0;"> <p style="font-family:Trebuchet MS;margin-left:1.00em;text-align:left;text-indent:-1.00em;font-size:8pt;margin-bottom:0pt;margin-top:0pt">Total capital ratio<sup style="font-size:85%;vertical-align:top">(3)</sup></p> </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">13.0</p> </td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">&#160;&#160;&#160;&#160;% </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">13.0</p> </td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">&#160;&#160;&#160;&#160;% </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">13.3&#160;&#160;&#160;&#160;</p> </td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">% </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt"></p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt"></p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt"></p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt"></p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td> </tr>
<tr style="font-size:0pt;page-break-inside:avoid;">
<td colspan="13" style="border-bottom:1px solid #000000;vertical-align:bottom;">&#160;</td>
<td>&#160;</td>
<td colspan="14" style="border-bottom:1px solid #000000;vertical-align:bottom;">&#160;</td>
<td>&#160;</td> </tr> </table> <p style="font-family:Trebuchet MS;text-align:left;font-size:8pt;margin-bottom:0pt;margin-top:0pt">1) Represents period end unless otherwise noted. </p> <p style="font-family:Trebuchet MS;text-align:left;font-size:8pt;margin-bottom:0pt;margin-top:0pt">2) Excludes loans held for sale. </p> <p style="font-family:Trebuchet MS;text-align:left;font-size:8pt;margin-bottom:0pt;margin-top:0pt">3) Current reporting period regulatory capital ratios are preliminary. </p> <p style="font-family:Trebuchet MS;text-align:justify;font-size:10pt;margin-bottom:0px;margin-top:12pt">Total assets of $165.7&#160;billion at December&#160;31, 2019 increased $5.2&#160;billion, or 3%, from December&#160;31, 2018, driven by a $4.4&#160;billion increase in loans and loans held for sale. Compared with September&#160;30, 2019, total assets increased $1.4&#160;billion, as a $2.5&#160;billion increase in loans and loans held for sale was partially offset by a $787&#160;million decrease in the investment portfolio. </p>
<table cellspacing="0" cellpadding="0" border="0" style="font-size:8pt;border-collapse:separate;border-spacing:0;width:100%;margin-bottom:0px;margin-top:12pt;margin-left:auto;margin-right:auto">
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<td style="vertical-align:bottom;"> <p style="font-family:Trebuchet MS;font-weight:bold;text-align:left;font-size:8pt;margin-bottom:0pt;margin-top:0pt">Interest-earning assets </p> </td>
<td style="vertical-align:bottom;">&#160;</td>
<td colspan="2" style="vertical-align:bottom;"> <p style="font-family:Trebuchet MS;font-weight:bold;text-align:center;font-size:8pt;margin-bottom:0pt;margin-top:0pt"></p> </td>
<td style="vertical-align:bottom;font-weight:bold;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td colspan="2" style="vertical-align:bottom;"> <p style="font-family:Trebuchet MS;font-weight:bold;text-align:center;font-size:8pt;margin-bottom:0pt;margin-top:0pt"></p> </td>
<td style="vertical-align:bottom;font-weight:bold;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td colspan="2" style="vertical-align:bottom;"> <p style="font-family:Trebuchet MS;font-weight:bold;text-align:center;font-size:8pt;margin-bottom:0pt;margin-top:0pt"></p> </td>
<td style="vertical-align:bottom;font-weight:bold;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td colspan="14" style="vertical-align:bottom;"> <p style="font-family:Trebuchet MS;font-weight:bold;text-align:center;font-size:8pt;margin-bottom:0pt;margin-top:0pt">4Q19 change from </p> </td>
<td>&#160;</td> </tr>
<tr style="font-size:0pt;page-break-inside:avoid;">
<td style="vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;padding-right:2pt;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;padding-right:2pt;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;padding-right:2pt;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td colspan="14" style="border-bottom:1px solid #000000;vertical-align:bottom;">&#160;</td>
<td>&#160;</td> </tr>
<tr style="page-break-inside:avoid;font-size:8pt;">
<td style="vertical-align:bottom;"> <p style="font-family:Trebuchet MS;font-weight:bold;text-align:left;font-size:8pt;margin-bottom:0pt;margin-top:0pt"> <span style="font-style:Italic">($s in millions)</span> </p> </td>
<td style="vertical-align:bottom;">&#160;</td>
<td colspan="2" style="vertical-align:bottom;"> <p style="font-family:Trebuchet MS;font-weight:bold;text-align:right;font-size:8pt;margin-bottom:0pt;margin-top:0pt">4Q19 </p> </td>
<td style="vertical-align:bottom;font-weight:bold;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td colspan="2" style="vertical-align:bottom;"> <p style="font-family:Trebuchet MS;font-weight:bold;text-align:right;font-size:8pt;margin-bottom:0pt;margin-top:0pt">3Q19 </p> </td>
<td style="vertical-align:bottom;font-weight:bold;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td colspan="2" style="vertical-align:bottom;"> <p style="font-family:Trebuchet MS;font-weight:bold;text-align:right;font-size:8pt;margin-bottom:0pt;margin-top:0pt">4Q18 </p> </td>
<td style="vertical-align:bottom;font-weight:bold;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td colspan="6" style="vertical-align:bottom;"> <p style="font-family:Trebuchet MS;font-weight:bold;text-align:center;font-size:8pt;margin-bottom:0pt;margin-top:0pt">3Q19 </p> </td>
<td>&#160;</td>
<td>&#160;</td>
<td colspan="6" style="vertical-align:bottom;"> <p style="font-family:Trebuchet MS;font-weight:bold;text-align:center;font-size:8pt;margin-bottom:0pt;margin-top:0pt">4Q18 </p> </td>
<td>&#160;</td> </tr>
<tr style="font-size:0pt;page-break-inside:avoid;">
<td colspan="13" style="border-bottom:1px solid #000000;vertical-align:bottom;">&#160;</td>
<td>&#160;</td>
<td colspan="6" style="border-bottom:1px solid #000000;vertical-align:bottom;">&#160;</td>
<td>&#160;</td>
<td>&#160;</td>
<td colspan="6" style="border-bottom:1px solid #000000;vertical-align:bottom;">&#160;</td>
<td>&#160;</td> </tr>
<tr style="page-break-inside:avoid;font-size:8pt;">
<td style="vertical-align:bottom;"> <p style="font-family:Trebuchet MS;font-weight:bold;text-align:left;font-size:8pt;margin-bottom:0pt;margin-top:0pt"> <span style="white-space:nowrap">Period-end</span> interest-earning assets </p> </td>
<td style="vertical-align:bottom;">&#160;</td>
<td colspan="2" style="vertical-align:bottom;"> <p style="font-family:Trebuchet MS;font-weight:bold;text-align:center;font-size:8pt;margin-bottom:0pt;margin-top:0pt"></p> </td>
<td style="vertical-align:bottom;font-weight:bold;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td colspan="2" style="vertical-align:bottom;"> <p style="font-family:Trebuchet MS;font-weight:bold;text-align:center;font-size:8pt;margin-bottom:0pt;margin-top:0pt"></p> </td>
<td style="vertical-align:bottom;font-weight:bold;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td colspan="2" style="vertical-align:bottom;"> <p style="font-family:Trebuchet MS;font-weight:bold;text-align:center;font-size:8pt;margin-bottom:0pt;margin-top:0pt"></p> </td>
<td style="vertical-align:bottom;font-weight:bold;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td colspan="2" style="vertical-align:bottom;"> <p style="font-family:Trebuchet MS;font-weight:bold;text-align:center;font-size:8pt;margin-bottom:0pt;margin-top:0pt">$ </p> </td>
<td style="vertical-align:bottom;font-weight:bold;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td colspan="2" style="vertical-align:bottom;"> <p style="font-family:Trebuchet MS;font-weight:bold;text-align:center;font-size:8pt;margin-bottom:0pt;margin-top:0pt">% </p> </td>
<td style="vertical-align:bottom;font-weight:bold;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td colspan="2" style="vertical-align:bottom;"> <p style="font-family:Trebuchet MS;font-weight:bold;text-align:center;font-size:8pt;margin-bottom:0pt;margin-top:0pt">$ </p> </td>
<td style="vertical-align:bottom;font-weight:bold;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td colspan="2" style="vertical-align:bottom;"> <p style="font-family:Trebuchet MS;font-weight:bold;text-align:center;font-size:8pt;margin-bottom:0pt;margin-top:0pt">% </p> </td>
<td style="vertical-align:bottom;font-weight:bold;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td> </tr>
<tr style="font-size:0pt;page-break-inside:avoid;">
<td style="vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;padding-right:2pt;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;padding-right:2pt;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;padding-right:2pt;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td colspan="6" style="border-bottom:1px solid #000000;vertical-align:bottom;">&#160;</td>
<td>&#160;</td>
<td>&#160;</td>
<td colspan="6" style="border-bottom:1px solid #000000;vertical-align:bottom;">&#160;</td>
<td>&#160;</td> </tr>
<tr style="background-color:#cceeff;page-break-inside:avoid;font-size:8pt;">
<td style="vertical-align:top;padding:0;"> <p style="font-family:Trebuchet MS;margin-left:1.00em;text-align:left;text-indent:-1.00em;font-size:8pt;margin-bottom:0pt;margin-top:0pt">Investments and interest-bearing deposits </p> </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">$</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">27,177 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">$</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">27,964 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">$</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">28,216 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">$</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">(787) </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">(3)&#160;% </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">$</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">(1,039</p> </td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">) </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">(4)&#160;&#160;% </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td> </tr>
<tr style="page-break-inside:avoid;font-size:8pt;">
<td style="vertical-align:top;padding:0;"> <p style="font-family:Trebuchet MS;margin-left:1.00em;text-align:left;text-indent:-1.00em;font-size:8pt;margin-bottom:0pt;margin-top:0pt">Commercial loans and leases </p> </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">57,538 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">56,733 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">56,783 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">805 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">1 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">755 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">1 &#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td> </tr>
<tr style="background-color:#cceeff;page-break-inside:avoid;font-size:8pt;">
<td style="vertical-align:top;padding:0;"> <p style="font-family:Trebuchet MS;margin-left:1.00em;text-align:left;text-indent:-1.00em;font-size:8pt;margin-bottom:0pt;margin-top:0pt">Retail loans </p> </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">61,550 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">61,147 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">59,877 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">403 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">1 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">1,673 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">3 &#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td> </tr>
<tr style="page-break-inside:avoid;font-size:8pt;">
<td style="vertical-align:top;padding:0;"> <p style="font-family:Trebuchet MS;margin-left:1.00em;text-align:left;text-indent:-1.00em;font-size:8pt;margin-bottom:0pt;margin-top:0pt">Total loans and leases </p> </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">119,088 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">117,880 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">116,660 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">1,208 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">1 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">2,428 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">2 &#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td> </tr>
<tr style="background-color:#cceeff;page-break-inside:avoid;font-size:8pt;">
<td style="vertical-align:top;padding:0;"> <p style="font-family:Trebuchet MS;margin-left:1.00em;text-align:left;text-indent:-1.00em;font-size:8pt;margin-bottom:0pt;margin-top:0pt">Loans held for sale, at fair value </p> </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">1,946 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">1,993 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">1,219 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">(47) </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">(2)&#160;&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">727 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">60 &#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td> </tr>
<tr style="page-break-inside:avoid;font-size:8pt;">
<td style="vertical-align:top;padding:0;"> <p style="font-family:Trebuchet MS;margin-left:1.00em;text-align:left;text-indent:-1.00em;font-size:8pt;margin-bottom:0pt;margin-top:0pt">Other loans held for sale </p> </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">1,384 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">22 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">101 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">1,362 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">NM </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">1,283 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">NM &#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td> </tr>
<tr style="background-color:#cceeff;page-break-inside:avoid;font-size:8pt;">
<td style="vertical-align:top;padding:0;"> <p style="font-family:Trebuchet MS;margin-left:1.00em;text-align:left;text-indent:-1.00em;font-size:8pt;margin-bottom:0pt;margin-top:0pt">Total loans and leases and loans held for sale </p> </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">122,418 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">119,895 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">117,980 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">2,523 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">2 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">4,438 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">4 &#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td> </tr>
<tr style="font-size:0pt;page-break-inside:avoid;">
<td colspan="13" style="border-bottom:1px solid #000000;vertical-align:bottom;">&#160;</td>
<td>&#160;</td>
<td style="border-bottom:1px solid #000000;vertical-align:bottom;">&#160;</td>
<td style="border-bottom:1px solid #000000;vertical-align:bottom;">&#160;</td>
<td style="padding-right:2pt;vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;padding-right:2pt;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="border-bottom:1px solid #000000;vertical-align:bottom;">&#160;</td>
<td style="border-bottom:1px solid #000000;vertical-align:bottom;">&#160;</td>
<td style="padding-right:2pt;vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;padding-right:2pt;">&#160;</td> </tr>
<tr style="page-break-inside:avoid;font-size:8pt;">
<td style="vertical-align:top;padding:0;"> <p style="font-family:Trebuchet MS;margin-left:1.00em;text-align:left;text-indent:-1.00em;font-size:8pt;margin-bottom:0pt;margin-top:0pt">Total <span style="white-space:nowrap">period-end</span> interest-earning assets </p> </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">$</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">&#160;&#160;&#160;149,595 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">$</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">&#160;&#160;&#160;147,859 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">$</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">&#160;&#160;&#160;146,196 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">$</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">&#160;&#160;&#160;&#160;&#160;1,736 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">1&#160;&#160;% </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">$</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">&#160;&#160;&#160;&#160;&#160;3,399 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">2&#160;&#160;&#160;% </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td> </tr>
<tr style="font-size:0pt;page-break-inside:avoid;">
<td colspan="13" style="border-bottom:1px solid #000000;vertical-align:bottom;">&#160;</td>
<td>&#160;</td>
<td style="border-bottom:1px solid #000000;vertical-align:bottom;">&#160;</td>
<td style="border-bottom:1px solid #000000;vertical-align:bottom;">&#160;</td>
<td style="padding-right:2pt;vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;padding-right:2pt;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="border-bottom:1px solid #000000;vertical-align:bottom;">&#160;</td>
<td style="border-bottom:1px solid #000000;vertical-align:bottom;">&#160;</td>
<td style="padding-right:2pt;vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;padding-right:2pt;">&#160;</td> </tr>
<tr style="background-color:#cceeff;page-break-inside:avoid;font-size:8pt;">
<td style="vertical-align:top;padding:0;"> <p style="font-family:Trebuchet MS;font-weight:bold;margin-left:1.00em;text-align:left;text-indent:-1.00em;font-size:8pt;margin-bottom:0pt;margin-top:0pt">Average interest-earning assets </p> </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-weight:bold;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-weight:bold;font-size:8pt;margin-bottom:0pt;margin-top:0pt"></p> </td>
<td style="vertical-align:bottom;font-weight:bold;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-weight:bold;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-weight:bold;font-size:8pt;margin-bottom:0pt;margin-top:0pt"></p> </td>
<td style="vertical-align:bottom;font-weight:bold;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-weight:bold;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-weight:bold;font-size:8pt;margin-bottom:0pt;margin-top:0pt"></p> </td>
<td style="vertical-align:bottom;font-weight:bold;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-weight:bold;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-weight:bold;font-size:8pt;margin-bottom:0pt;margin-top:0pt"></p> </td>
<td style="vertical-align:bottom;font-weight:bold;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-weight:bold;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-weight:bold;font-size:8pt;margin-bottom:0pt;margin-top:0pt"></p> </td>
<td style="vertical-align:bottom;font-weight:bold;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-weight:bold;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-weight:bold;font-size:8pt;margin-bottom:0pt;margin-top:0pt"></p> </td>
<td style="vertical-align:bottom;font-weight:bold;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-weight:bold;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-weight:bold;font-size:8pt;margin-bottom:0pt;margin-top:0pt"></p> </td>
<td style="vertical-align:bottom;font-weight:bold;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td> </tr>
<tr style="page-break-inside:avoid;font-size:8pt;">
<td style="vertical-align:top;padding:0;"> <p style="font-family:Trebuchet MS;margin-left:1.00em;text-align:left;text-indent:-1.00em;font-size:8pt;margin-bottom:0pt;margin-top:0pt">Investments and interest-bearing deposits </p> </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">$</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">27,280 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">$</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">27,114 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">$</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">26,553 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">$</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">166 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">1&#160;&#160;% </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">$</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">727 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">3&#160;&#160;&#160;% </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td> </tr>
<tr style="background-color:#cceeff;page-break-inside:avoid;font-size:8pt;">
<td style="vertical-align:top;padding:0;"> <p style="font-family:Trebuchet MS;margin-left:1.00em;text-align:left;text-indent:-1.00em;font-size:8pt;margin-bottom:0pt;margin-top:0pt">Commercial loans and leases </p> </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">57,661 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">56,983 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">56,310 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">678 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">1 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">1,351 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">2 &#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td> </tr>
<tr style="page-break-inside:avoid;font-size:8pt;">
<td style="vertical-align:top;padding:0;"> <p style="font-family:Trebuchet MS;margin-left:1.00em;text-align:left;text-indent:-1.00em;font-size:8pt;margin-bottom:0pt;margin-top:0pt">Retail loans </p> </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">61,244 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">60,274 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">59,583 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">970 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">2 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">1,661 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">3 &#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td> </tr>
<tr style="background-color:#cceeff;page-break-inside:avoid;font-size:8pt;">
<td style="vertical-align:top;padding:0;"> <p style="font-family:Trebuchet MS;margin-left:1.00em;text-align:left;text-indent:-1.00em;font-size:8pt;margin-bottom:0pt;margin-top:0pt">Total loans and leases </p> </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">118,905 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">117,257 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">115,893 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">1,648 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">1 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">3,012 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">3 &#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td> </tr>
<tr style="page-break-inside:avoid;font-size:8pt;">
<td style="vertical-align:top;padding:0;"> <p style="font-family:Trebuchet MS;margin-left:1.00em;text-align:left;text-indent:-1.00em;font-size:8pt;margin-bottom:0pt;margin-top:0pt">Loans held for sale, at fair value </p> </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">2,209 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">1,970 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">1,245 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">239 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">12 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">964 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">77 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td> </tr>
<tr style="background-color:#cceeff;page-break-inside:avoid;font-size:8pt;">
<td style="vertical-align:top;padding:0;"> <p style="font-family:Trebuchet MS;margin-left:1.00em;text-align:left;text-indent:-1.00em;font-size:8pt;margin-bottom:0pt;margin-top:0pt">Other loans held for sale </p> </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">517 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">134 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">79 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">383 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">NM </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">438 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">NM </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td> </tr>
<tr style="page-break-inside:avoid;font-size:8pt;">
<td style="vertical-align:top;padding:0;"> <p style="font-family:Trebuchet MS;margin-left:1.00em;text-align:left;text-indent:-1.00em;font-size:8pt;margin-bottom:0pt;margin-top:0pt">Total loans and leases and loans held for sale </p> </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">121,631 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">119,361 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">117,217 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">2,270 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">2 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">4,414 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">4 &#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td> </tr>
<tr style="font-size:0pt;page-break-inside:avoid;">
<td colspan="13" style="border-bottom:1px solid #000000;vertical-align:bottom;">&#160;</td>
<td>&#160;</td>
<td style="border-bottom:1px solid #000000;vertical-align:bottom;">&#160;</td>
<td style="border-bottom:1px solid #000000;vertical-align:bottom;">&#160;</td>
<td style="padding-right:2pt;vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;padding-right:2pt;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="border-bottom:1px solid #000000;vertical-align:bottom;">&#160;</td>
<td style="border-bottom:1px solid #000000;vertical-align:bottom;">&#160;</td>
<td style="padding-right:2pt;vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;padding-right:2pt;">&#160;</td> </tr>
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<td style="vertical-align:top;padding:0;"> <p style="font-family:Trebuchet MS;margin-left:1.00em;text-align:left;text-indent:-1.00em;font-size:8pt;margin-bottom:0pt;margin-top:0pt">Total average interest-earning assets </p> </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">$</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">148,911 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">$</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">146,475 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">$</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">143,770 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">$</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">2,436 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">2&#160;%&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">$</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">5,141 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">4&#160;&#160;&#160;% </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td> </tr>
<tr style="font-size:0pt;page-break-inside:avoid;">
<td colspan="13" style="border-bottom:1px solid #000000;vertical-align:bottom;">&#160;</td>
<td>&#160;</td>
<td style="border-bottom:1px solid #000000;vertical-align:bottom;">&#160;</td>
<td style="border-bottom:1px solid #000000;vertical-align:bottom;">&#160;</td>
<td style="padding-right:2pt;vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;padding-right:2pt;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="border-bottom:1px solid #000000;vertical-align:bottom;">&#160;</td>
<td style="border-bottom:1px solid #000000;vertical-align:bottom;">&#160;</td>
<td style="padding-right:2pt;vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
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 <div style="width:100%"> <p style="font-family:Trebuchet MS;text-align:center;font-size:10pt;margin-bottom:0pt;margin-top:0pt">15</p> <div></div> </div>

 </div>



<p style='page-break-before:always'> </p>
<hr style="color:#999999;height:3px;width:100%" />

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<td style="vertical-align:bottom;"> <p style="font-family:Trebuchet MS;font-weight:bold;text-align:left;font-size:8pt;margin-bottom:0pt;margin-top:0pt">Deposits </p> </td>
<td style="vertical-align:bottom;">&#160;</td>
<td colspan="2" style="vertical-align:bottom;"> <p style="font-family:Trebuchet MS;font-weight:bold;text-align:center;font-size:8pt;margin-bottom:0pt;margin-top:0pt"></p> </td>
<td style="vertical-align:bottom;font-weight:bold;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
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<td colspan="2" style="vertical-align:bottom;"> <p style="font-family:Trebuchet MS;font-weight:bold;text-align:center;font-size:8pt;margin-bottom:0pt;margin-top:0pt"></p> </td>
<td style="vertical-align:bottom;font-weight:bold;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td colspan="2" style="vertical-align:bottom;"> <p style="font-family:Trebuchet MS;font-weight:bold;text-align:center;font-size:8pt;margin-bottom:0pt;margin-top:0pt"></p> </td>
<td style="vertical-align:bottom;font-weight:bold;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td colspan="2" style="vertical-align:bottom;"> <p style="font-family:Trebuchet MS;font-weight:bold;text-align:center;font-size:8pt;margin-bottom:0pt;margin-top:0pt"></p> </td>
<td style="vertical-align:bottom;font-weight:bold;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td colspan="18" style="border-bottom:1pt solid #000000;vertical-align:bottom;"> <p style="font-family:Trebuchet MS;font-weight:bold;text-align:center;font-size:8pt;margin-bottom:0pt;margin-top:0pt">4Q19 change from </p> </td>
<td>&#160;</td> </tr>
<tr style="page-break-inside:avoid;font-size:8pt;">
<td style="white-space:nowrap;vertical-align:bottom;"> <p style="font-family:Trebuchet MS;font-weight:bold;text-align:left;font-size:8pt;margin-bottom:0pt;margin-top:0pt"> <span style="font-style:Italic">&#160;($s in millions)</span> </p> </td>
<td style="vertical-align:bottom;">&#160;</td>
<td colspan="2" style="vertical-align:bottom;"> <p style="font-family:Trebuchet MS;font-weight:bold;text-align:right;font-size:8pt;margin-bottom:0pt;margin-top:0pt">4Q19 </p> </td>
<td style="vertical-align:bottom;font-weight:bold;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td colspan="2" style="vertical-align:bottom;"> <p style="font-family:Trebuchet MS;font-weight:bold;text-align:right;font-size:8pt;margin-bottom:0pt;margin-top:0pt">3Q19 </p> </td>
<td style="vertical-align:bottom;font-weight:bold;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td colspan="2" style="vertical-align:bottom;"> <p style="font-family:Trebuchet MS;font-weight:bold;text-align:right;font-size:8pt;margin-bottom:0pt;margin-top:0pt">4Q18&#160;</p> </td>
<td style="vertical-align:bottom;font-weight:bold;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td colspan="2" style="vertical-align:bottom;"> <p style="font-family:Trebuchet MS;font-weight:bold;text-align:right;font-size:8pt;margin-bottom:0pt;margin-top:0pt"></p> </td>
<td style="vertical-align:bottom;font-weight:bold;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td colspan="6" style="vertical-align:bottom;"> <p style="font-family:Trebuchet MS;font-weight:bold;text-align:center;font-size:8pt;margin-bottom:0pt;margin-top:0pt">3Q19 </p> </td>
<td>&#160;</td>
<td>&#160;</td>
<td colspan="2" style="vertical-align:bottom;"> <p style="font-family:Trebuchet MS;font-weight:bold;text-align:right;font-size:8pt;margin-bottom:0pt;margin-top:0pt"></p> </td>
<td style="vertical-align:bottom;font-weight:bold;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td colspan="6" style="vertical-align:bottom;"> <p style="font-family:Trebuchet MS;font-weight:bold;text-align:center;font-size:8pt;margin-bottom:0pt;margin-top:0pt">4Q18 </p> </td>
<td>&#160;</td> </tr>
<tr style="font-size:0pt;page-break-inside:avoid;">
<td colspan="13" style="border-bottom:1px solid #000000;vertical-align:bottom;">&#160;</td>
<td>&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;padding-right:2pt;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td colspan="6" style="border-bottom:1px solid #000000;vertical-align:bottom;">&#160;</td>
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<td style="vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;padding-right:2pt;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td colspan="6" style="border-bottom:1px solid #000000;vertical-align:bottom;">&#160;</td>
<td>&#160;</td> </tr>
<tr style="page-break-inside:avoid;font-size:8pt;">
<td style="vertical-align:bottom;"> <p style="font-family:Trebuchet MS;font-weight:bold;text-align:left;font-size:8pt;margin-bottom:0pt;margin-top:0pt">&#160;<span style="white-space:nowrap">Period-end</span> deposits </p> </td>
<td style="vertical-align:bottom;">&#160;</td>
<td colspan="2" style="vertical-align:bottom;"> <p style="font-family:Trebuchet MS;font-weight:bold;text-align:center;font-size:8pt;margin-bottom:0pt;margin-top:0pt"></p> </td>
<td style="vertical-align:bottom;font-weight:bold;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td colspan="2" style="vertical-align:bottom;"> <p style="font-family:Trebuchet MS;font-weight:bold;text-align:center;font-size:8pt;margin-bottom:0pt;margin-top:0pt"></p> </td>
<td style="vertical-align:bottom;font-weight:bold;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td colspan="2" style="vertical-align:bottom;"> <p style="font-family:Trebuchet MS;font-weight:bold;text-align:center;font-size:8pt;margin-bottom:0pt;margin-top:0pt"></p> </td>
<td style="vertical-align:bottom;font-weight:bold;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td colspan="2" style="vertical-align:bottom;"> <p style="font-family:Trebuchet MS;font-weight:bold;text-align:center;font-size:8pt;margin-bottom:0pt;margin-top:0pt"></p> </td>
<td style="vertical-align:bottom;font-weight:bold;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td colspan="2" style="vertical-align:bottom;"> <p style="font-family:Trebuchet MS;font-weight:bold;text-align:center;font-size:8pt;margin-bottom:0pt;margin-top:0pt">$ </p> </td>
<td style="vertical-align:bottom;font-weight:bold;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
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<td colspan="2" style="vertical-align:bottom;"> <p style="font-family:Trebuchet MS;font-weight:bold;text-align:center;font-size:8pt;margin-bottom:0pt;margin-top:0pt">% </p> </td>
<td style="vertical-align:bottom;font-weight:bold;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td colspan="2" style="vertical-align:bottom;"> <p style="font-family:Trebuchet MS;font-weight:bold;text-align:center;font-size:8pt;margin-bottom:0pt;margin-top:0pt"></p> </td>
<td style="vertical-align:bottom;font-weight:bold;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td colspan="2" style="vertical-align:bottom;"> <p style="font-family:Trebuchet MS;font-weight:bold;text-align:center;font-size:8pt;margin-bottom:0pt;margin-top:0pt">$ </p> </td>
<td style="vertical-align:bottom;font-weight:bold;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td colspan="2" style="vertical-align:bottom;"> <p style="font-family:Trebuchet MS;font-weight:bold;text-align:center;font-size:8pt;margin-bottom:0pt;margin-top:0pt">% </p> </td>
<td style="vertical-align:bottom;font-weight:bold;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td> </tr>
<tr style="font-size:0pt;page-break-inside:avoid;">
<td style="vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;padding-right:2pt;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;padding-right:2pt;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;padding-right:2pt;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;padding-right:2pt;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td colspan="6" style="border-bottom:1px solid #000000;vertical-align:bottom;">&#160;</td>
<td>&#160;</td>
<td>&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;padding-right:2pt;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td colspan="6" style="border-bottom:1px solid #000000;vertical-align:bottom;">&#160;</td>
<td>&#160;</td> </tr>
<tr style="background-color:#cceeff;page-break-inside:avoid;font-size:8pt;">
<td style="vertical-align:top;padding:0;"> <p style="font-family:Trebuchet MS;margin-left:1.00em;text-align:left;text-indent:-1.00em;font-size:8pt;margin-bottom:0pt;margin-top:0pt">&#160;Demand deposits </p> </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">$</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">29,233 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">$</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">29,939 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">$</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">29,458&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt"></p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;&#160;$</td>
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<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">(2)&#160;&#160;% </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt"></p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;&#160;$</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">(225) </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">(1)&#160;&#160;% </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td> </tr>
<tr style="page-break-inside:avoid;font-size:8pt;">
<td style="vertical-align:top;padding:0;"> <p style="font-family:Trebuchet MS;margin-left:1.00em;text-align:left;text-indent:-1.00em;font-size:8pt;margin-bottom:0pt;margin-top:0pt">&#160;Checking with interest </p> </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">24,840 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">24,403 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">23,067&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt"></p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">437&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">2&#160;&#160;&#160;&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt"></p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">1,773&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">8&#160;&#160;&#160;&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td> </tr>
<tr style="background-color:#cceeff;page-break-inside:avoid;font-size:8pt;">
<td style="vertical-align:top;padding:0;"> <p style="font-family:Trebuchet MS;margin-left:1.00em;text-align:left;text-indent:-1.00em;font-size:8pt;margin-bottom:0pt;margin-top:0pt">&#160;Savings </p> </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">13,779 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">13,479 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">12,007&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt"></p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">300&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">2&#160;&#160;&#160;&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt"></p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">1,772&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">15&#160;&#160;&#160;&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td> </tr>
<tr style="page-break-inside:avoid;font-size:8pt;">
<td style="vertical-align:top;padding:0;"> <p style="font-family:Trebuchet MS;margin-left:1.00em;text-align:left;text-indent:-1.00em;font-size:8pt;margin-bottom:0pt;margin-top:0pt">&#160;Money market accounts </p> </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">38,725 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">36,826 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">35,701&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt"></p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">1,899&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">5&#160;&#160;&#160;&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt"></p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">3,024&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">8&#160;&#160;&#160;&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td> </tr>
<tr style="background-color:#cceeff;page-break-inside:avoid;font-size:8pt;">
<td style="vertical-align:top;padding:0;"> <p style="font-family:Trebuchet MS;margin-left:1.00em;text-align:left;text-indent:-1.00em;font-size:8pt;margin-bottom:0pt;margin-top:0pt">&#160;Term deposits </p> </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">18,736 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">20,067 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">19,342&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt"></p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">(1,331) </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">(7)&#160;&#160;&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt"></p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">(606) </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">(3)&#160;&#160;&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td> </tr>
<tr style="font-size:0pt;page-break-inside:avoid;">
<td colspan="13" style="border-bottom:1px solid #000000;vertical-align:bottom;">&#160;</td>
<td>&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;padding-right:2pt;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="border-bottom:1px solid #000000;vertical-align:bottom;">&#160;</td>
<td style="border-bottom:1px solid #000000;vertical-align:bottom;">&#160;</td>
<td style="padding-right:2pt;vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;padding-right:2pt;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;padding-right:2pt;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="border-bottom:1px solid #000000;vertical-align:bottom;">&#160;</td>
<td style="border-bottom:1px solid #000000;vertical-align:bottom;">&#160;</td>
<td style="padding-right:2pt;vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;padding-right:2pt;">&#160;</td> </tr>
<tr style="page-break-inside:avoid;font-size:8pt;">
<td style="vertical-align:top;padding:0;"> <p style="font-family:Trebuchet MS;margin-left:1.00em;text-align:left;text-indent:-1.00em;font-size:8pt;margin-bottom:0pt;margin-top:0pt">&#160;Total <span style="white-space:nowrap">period-end</span> deposits </p> </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">$</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">&#160;&#160;&#160;&#160;&#160;125,313 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">$</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">&#160;&#160;&#160;&#160;&#160;124,714 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">$</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">&#160;&#160;&#160;&#160;&#160;119,575&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt"></p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;&#160;$</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">599&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">&#8212;&#160;&#160;&#160;% </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt"></p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;&#160;$</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">&#160;&#160;&#160;&#160;&#160;5,738&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">5&#160;&#160;&#160;% </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td> </tr>
<tr style="font-size:0pt;page-break-inside:avoid;">
<td colspan="13" style="border-bottom:1px solid #000000;vertical-align:bottom;">&#160;</td>
<td>&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;padding-right:2pt;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="border-bottom:1px solid #000000;vertical-align:bottom;">&#160;</td>
<td style="border-bottom:1px solid #000000;vertical-align:bottom;">&#160;</td>
<td style="padding-right:2pt;vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;padding-right:2pt;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;padding-right:2pt;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="border-bottom:1px solid #000000;vertical-align:bottom;">&#160;</td>
<td style="border-bottom:1px solid #000000;vertical-align:bottom;">&#160;</td>
<td style="padding-right:2pt;vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;padding-right:2pt;">&#160;</td> </tr>
<tr style="page-break-inside:avoid;font-size:8pt;">
<td style="vertical-align:bottom;"> <p style="font-family:Trebuchet MS;font-weight:bold;text-align:left;font-size:8pt;margin-bottom:0pt;margin-top:0pt">&#160;Average deposits </p> </td>
<td style="vertical-align:bottom;">&#160;</td>
<td colspan="2" style="vertical-align:bottom;"> <p style="font-family:Trebuchet MS;font-weight:bold;text-align:center;font-size:8pt;margin-bottom:0pt;margin-top:0pt"></p> </td>
<td style="vertical-align:bottom;font-weight:bold;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td colspan="2" style="vertical-align:bottom;"> <p style="font-family:Trebuchet MS;font-weight:bold;text-align:center;font-size:8pt;margin-bottom:0pt;margin-top:0pt"></p> </td>
<td style="vertical-align:bottom;font-weight:bold;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td colspan="2" style="vertical-align:bottom;"> <p style="font-family:Trebuchet MS;font-weight:bold;text-align:center;font-size:8pt;margin-bottom:0pt;margin-top:0pt"></p> </td>
<td style="vertical-align:bottom;font-weight:bold;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td colspan="2" style="vertical-align:bottom;"> <p style="font-family:Trebuchet MS;font-weight:bold;text-align:center;font-size:8pt;margin-bottom:0pt;margin-top:0pt"></p> </td>
<td style="vertical-align:bottom;font-weight:bold;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td colspan="2" style="vertical-align:bottom;"> <p style="font-family:Trebuchet MS;font-weight:bold;text-align:center;font-size:8pt;margin-bottom:0pt;margin-top:0pt"></p> </td>
<td style="vertical-align:bottom;font-weight:bold;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td colspan="2" style="vertical-align:bottom;"> <p style="font-family:Trebuchet MS;font-weight:bold;text-align:center;font-size:8pt;margin-bottom:0pt;margin-top:0pt"></p> </td>
<td style="vertical-align:bottom;font-weight:bold;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td colspan="2" style="vertical-align:bottom;"> <p style="font-family:Trebuchet MS;font-weight:bold;text-align:center;font-size:8pt;margin-bottom:0pt;margin-top:0pt"></p> </td>
<td style="vertical-align:bottom;font-weight:bold;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td colspan="2" style="vertical-align:bottom;"> <p style="font-family:Trebuchet MS;font-weight:bold;text-align:center;font-size:8pt;margin-bottom:0pt;margin-top:0pt"></p> </td>
<td style="vertical-align:bottom;font-weight:bold;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td colspan="2" style="vertical-align:bottom;"> <p style="font-family:Trebuchet MS;font-weight:bold;text-align:center;font-size:8pt;margin-bottom:0pt;margin-top:0pt"></p> </td>
<td style="vertical-align:bottom;font-weight:bold;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td> </tr>
<tr style="background-color:#cceeff;page-break-inside:avoid;font-size:8pt;">
<td style="vertical-align:top;padding:0;"> <p style="font-family:Trebuchet MS;margin-left:1.00em;text-align:left;text-indent:-1.00em;font-size:8pt;margin-bottom:0pt;margin-top:0pt">&#160;Demand deposits </p> </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">$</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">29,928 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">$</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">28,945 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">$</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">29,824&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt"></p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;&#160;$</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">983&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">3&#160;&#160;&#160;% </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt"></p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;&#160;$</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">104&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">&#8212;&#160;&#160;&#160;% </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td> </tr>
<tr style="page-break-inside:avoid;font-size:8pt;">
<td style="vertical-align:top;padding:0;"> <p style="font-family:Trebuchet MS;margin-left:1.00em;text-align:left;text-indent:-1.00em;font-size:8pt;margin-bottom:0pt;margin-top:0pt">&#160;Checking with interest </p> </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">23,545 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">23,422 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">21,792&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt"></p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">123&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">1&#160;&#160;&#160;&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt"></p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">1,753&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">8&#160;&#160;&#160;&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td> </tr>
<tr style="background-color:#cceeff;page-break-inside:avoid;font-size:8pt;">
<td style="vertical-align:top;padding:0;"> <p style="font-family:Trebuchet MS;margin-left:1.00em;text-align:left;text-indent:-1.00em;font-size:8pt;margin-bottom:0pt;margin-top:0pt">&#160;Savings </p> </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">13,582 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">13,442 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">11,220&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt"></p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">140&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">1&#160;&#160;&#160;&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt"></p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">2,362&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">21&#160;&#160;&#160;&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td> </tr>
<tr style="page-break-inside:avoid;font-size:8pt;">
<td style="vertical-align:top;padding:0;"> <p style="font-family:Trebuchet MS;margin-left:1.00em;text-align:left;text-indent:-1.00em;font-size:8pt;margin-bottom:0pt;margin-top:0pt">&#160;Money market accounts </p> </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">38,809 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">37,161 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">35,929&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt"></p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">1,648&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">4&#160;&#160;&#160;&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt"></p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">2,880&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">8&#160;&#160;&#160;&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td> </tr>
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<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
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<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">20,951 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">19,000&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt"></p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">(1,163) </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">(6)&#160;&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
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<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt"></p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">788&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">4&#160;&#160;&#160;&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td> </tr>
<tr style="font-size:0pt;page-break-inside:avoid;">
<td colspan="13" style="border-bottom:1px solid #000000;vertical-align:bottom;">&#160;</td>
<td>&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;padding-right:2pt;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="border-bottom:1px solid #000000;vertical-align:bottom;">&#160;</td>
<td style="border-bottom:1px solid #000000;vertical-align:bottom;">&#160;</td>
<td style="padding-right:2pt;vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;padding-right:2pt;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;padding-right:2pt;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="border-bottom:1px solid #000000;vertical-align:bottom;">&#160;</td>
<td style="border-bottom:1px solid #000000;vertical-align:bottom;">&#160;</td>
<td style="padding-right:2pt;vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;padding-right:2pt;">&#160;</td> </tr>
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<td style="vertical-align:top;padding:0;"> <p style="font-family:Trebuchet MS;margin-left:1.00em;text-align:left;text-indent:-1.00em;font-size:8pt;margin-bottom:0pt;margin-top:0pt">&#160;Total average deposits </p> </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">$</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">125,652 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">$</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">123,921 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">$</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">117,765&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt"></p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;&#160;$</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">&#160;&#160;&#160;&#160;&#160;1,731&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">1&#160;&#160;&#160;% </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt"></p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;&#160;$</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">7,887&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">7&#160;&#160;&#160;% </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td> </tr>
<tr style="font-size:0pt;page-break-inside:avoid;">
<td colspan="13" style="border-bottom:1px solid #000000;vertical-align:bottom;">&#160;</td>
<td>&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;padding-right:2pt;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="border-bottom:1px solid #000000;vertical-align:bottom;">&#160;</td>
<td style="border-bottom:1px solid #000000;vertical-align:bottom;">&#160;</td>
<td style="padding-right:2pt;vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;padding-right:2pt;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;padding-right:2pt;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="border-bottom:1px solid #000000;vertical-align:bottom;">&#160;</td>
<td style="border-bottom:1px solid #000000;vertical-align:bottom;">&#160;</td>
<td style="padding-right:2pt;vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
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 <div style="width:100%"> <p style="font-family:Trebuchet MS;text-align:center;font-size:10pt;margin-bottom:0pt;margin-top:0pt">16</p> <div></div> </div>

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<td style="vertical-align:bottom;"> <p style="font-family:Trebuchet MS;font-weight:bold;margin-left:0.00em;text-align:left;font-size:8pt;margin-bottom:0pt;margin-top:0pt">Borrowed Funds </p> </td>
<td style="vertical-align:bottom;">&#160;</td>
<td colspan="2" style="vertical-align:bottom;"> <p style="font-family:Trebuchet MS;font-weight:bold;text-align:center;font-size:8pt;margin-bottom:0pt;margin-top:0pt"></p> </td>
<td style="vertical-align:bottom;font-weight:bold;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
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<td colspan="2" style="vertical-align:bottom;"> <p style="font-family:Trebuchet MS;font-weight:bold;text-align:center;font-size:8pt;margin-bottom:0pt;margin-top:0pt"></p> </td>
<td style="vertical-align:bottom;font-weight:bold;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
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<td colspan="2" style="vertical-align:bottom;"> <p style="font-family:Trebuchet MS;font-weight:bold;text-align:center;font-size:8pt;margin-bottom:0pt;margin-top:0pt"></p> </td>
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<td style="vertical-align:bottom;">&#160;</td>
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<td style="vertical-align:bottom;">&#160;</td>
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<td style="vertical-align:bottom;">&#160;</td>
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<td style="vertical-align:bottom;font-weight:bold;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td colspan="2" style="vertical-align:bottom;"> <p style="font-family:Trebuchet MS;font-weight:bold;text-align:right;font-size:8pt;margin-bottom:0pt;margin-top:0pt">3Q19 </p> </td>
<td style="vertical-align:bottom;font-weight:bold;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td colspan="2" style="vertical-align:bottom;"> <p style="font-family:Trebuchet MS;font-weight:bold;text-align:right;font-size:8pt;margin-bottom:0pt;margin-top:0pt">4Q18&#160;</p> </td>
<td style="vertical-align:bottom;font-weight:bold;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td colspan="6" style="vertical-align:bottom;"> <p style="font-family:Trebuchet MS;font-weight:bold;text-align:center;font-size:8pt;margin-bottom:0pt;margin-top:0pt">3Q19 </p> </td>
<td>&#160;</td>
<td>&#160;</td>
<td colspan="6" style="vertical-align:bottom;"> <p style="font-family:Trebuchet MS;font-weight:bold;text-align:center;font-size:8pt;margin-bottom:0pt;margin-top:0pt">4Q18 </p> </td>
<td>&#160;</td> </tr>
<tr style="font-size:0pt;page-break-inside:avoid;">
<td colspan="13" style="border-bottom:1px solid #000000;vertical-align:bottom;">&#160;</td>
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<td>&#160;</td> </tr>
<tr style="page-break-inside:avoid;font-size:8pt;">
<td style="vertical-align:bottom;"> <p style="font-family:Trebuchet MS;font-weight:bold;margin-left:0.38em;text-align:left;font-size:8pt;margin-bottom:0pt;margin-top:0pt"> <span style="white-space:nowrap">Period-end</span> borrowed funds </p> </td>
<td style="vertical-align:bottom;">&#160;</td>
<td colspan="2" style="vertical-align:bottom;"> <p style="font-family:Trebuchet MS;font-weight:bold;text-align:center;font-size:8pt;margin-bottom:0pt;margin-top:0pt"></p> </td>
<td style="vertical-align:bottom;font-weight:bold;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
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<td colspan="2" style="vertical-align:bottom;"> <p style="font-family:Trebuchet MS;font-weight:bold;text-align:center;font-size:8pt;margin-bottom:0pt;margin-top:0pt"></p> </td>
<td style="vertical-align:bottom;font-weight:bold;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
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<td colspan="2" style="vertical-align:bottom;"> <p style="font-family:Trebuchet MS;font-weight:bold;text-align:center;font-size:8pt;margin-bottom:0pt;margin-top:0pt"></p> </td>
<td style="vertical-align:bottom;font-weight:bold;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
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<td colspan="2" style="vertical-align:bottom;"> <p style="font-family:Trebuchet MS;font-weight:bold;text-align:center;font-size:8pt;margin-bottom:0pt;margin-top:0pt">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;</p> </td>
<td style="vertical-align:bottom;font-weight:bold;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
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<td colspan="2" style="vertical-align:bottom;"> <p style="font-family:Trebuchet MS;font-weight:bold;text-align:center;font-size:8pt;margin-bottom:0pt;margin-top:0pt">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;%&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;</p> </td>
<td style="vertical-align:bottom;font-weight:bold;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
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<td colspan="2" style="vertical-align:bottom;"> <p style="font-family:Trebuchet MS;font-weight:bold;text-align:center;font-size:8pt;margin-bottom:0pt;margin-top:0pt">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;</p> </td>
<td style="vertical-align:bottom;font-weight:bold;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td colspan="2" style="vertical-align:bottom;"> <p style="font-family:Trebuchet MS;font-weight:bold;text-align:center;font-size:8pt;margin-bottom:0pt;margin-top:0pt">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;%&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;</p> </td>
<td style="vertical-align:bottom;font-weight:bold;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td> </tr>
<tr style="font-size:0pt;page-break-inside:avoid;">
<td style="vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;padding-right:2pt;">&#160;</td>
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<td style="vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;padding-right:2pt;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
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<td style="vertical-align:bottom;padding-right:2pt;">&#160;</td>
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<td colspan="6" style="border-bottom:1px solid #000000;vertical-align:bottom;">&#160;</td>
<td>&#160;</td>
<td>&#160;</td>
<td colspan="6" style="border-bottom:1px solid #000000;vertical-align:bottom;">&#160;</td>
<td>&#160;</td> </tr>
<tr style="background-color:#cceeff;page-break-inside:avoid;font-size:8pt;">
<td style="vertical-align:top;padding:0;"> <p style="font-family:Trebuchet MS;margin-left:0.38em;text-align:left;font-size:8pt;margin-bottom:0pt;margin-top:0pt">Federal funds purchased and securities sold under agreements to repurchase </p> </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">$</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">265 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">$</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">867 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">$</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">1,156&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;&#160;$</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">(602) </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">(69)&#160;&#160;&#160;%&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">&#160;&#160;$</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">(891</p> </td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">) </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">(77)&#160;% </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td> </tr>
<tr style="page-break-inside:avoid;font-size:8pt;">
<td style="vertical-align:top;padding:0;"> <p style="font-family:Trebuchet MS;margin-left:0.38em;text-align:left;font-size:8pt;margin-bottom:0pt;margin-top:0pt">Other short-term borrowed funds<sup style="font-size:85%;vertical-align:top">(1)</sup></p> </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">9 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">210 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">161&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">(201) </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">(96)&#160;&#160;&#160;&#160;&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">(152</p> </td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">) </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">(94)&#160;&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td> </tr>
<tr style="background-color:#cceeff;page-break-inside:avoid;font-size:8pt;">
<td style="vertical-align:top;padding:0;"> <p style="font-family:Trebuchet MS;margin-left:0.38em;text-align:left;font-size:8pt;margin-bottom:0pt;margin-top:0pt">Long-term borrowed funds<sup style="font-size:85%;vertical-align:top">(1)</sup></p> </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt"></p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt"></p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt"></p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt"></p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt"></p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt"></p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt"></p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td> </tr>
<tr style="page-break-inside:avoid;font-size:8pt;">
<td style="vertical-align:top;padding:0;"> <p style="font-family:Trebuchet MS;margin-left:0.38em;text-align:left;font-size:8pt;margin-bottom:0pt;margin-top:0pt">&#160;&#160;&#160;&#160;FHLB advances </p> </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">5,008 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">3,007 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">7,508&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">2,001&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">67&#160;&#160;&#160;&#160;&#160;&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">(2,500</p> </td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">) </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">(33)&#160;&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td> </tr>
<tr style="background-color:#cceeff;page-break-inside:avoid;font-size:8pt;">
<td style="vertical-align:top;padding:0;"> <p style="font-family:Trebuchet MS;margin-left:0.38em;text-align:left;font-size:8pt;margin-bottom:0pt;margin-top:0pt">&#160;&#160;&#160;&#160;Senior debt </p> </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">7,382 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">8,143 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">6,769&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">(761) </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">(9)&#160;&#160;&#160;&#160;&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">613 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">9&#160;&#160;&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td> </tr>
<tr style="page-break-inside:avoid;font-size:8pt;">
<td style="vertical-align:top;padding:0;"> <p style="font-family:Trebuchet MS;margin-left:0.38em;text-align:left;font-size:8pt;margin-bottom:0pt;margin-top:0pt">&#160;&#160;&#160;&#160;Subordinated debt and other debt </p> </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">1,657 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">1,656 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">1,648&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">1&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">&#8212;&#160;&#160;&#160;&#160;&#160;&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">9 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">1&#160;&#160;&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td> </tr>
<tr style="font-size:0pt;page-break-inside:avoid;">
<td colspan="13" style="border-bottom:1px solid #000000;vertical-align:bottom;">&#160;</td>
<td>&#160;</td>
<td style="border-bottom:1px solid #000000;vertical-align:bottom;">&#160;</td>
<td style="border-bottom:1px solid #000000;vertical-align:bottom;">&#160;</td>
<td style="padding-right:2pt;vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;padding-right:2pt;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="border-bottom:1px solid #000000;vertical-align:bottom;">&#160;</td>
<td style="border-bottom:1px solid #000000;vertical-align:bottom;">&#160;</td>
<td style="padding-right:2pt;vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;padding-right:2pt;">&#160;</td> </tr>
<tr style="background-color:#cceeff;page-break-inside:avoid;font-size:8pt;">
<td style="vertical-align:top;padding:0;"> <p style="font-family:Trebuchet MS;margin-left:0.38em;text-align:left;font-size:8pt;margin-bottom:0pt;margin-top:0pt">Total borrowed funds </p> </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">$</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">&#160;&#160;&#160;14,321 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">$</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">&#160;&#160;&#160;13,883 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">$</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">&#160;&#160;&#160;17,242&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">$</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">438&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">3&#160;&#160;&#160;&#160;%&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">&#160;&#160;$</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">(2,921</p> </td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">) </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">(17)&#160;%</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td> </tr>
<tr style="font-size:0pt;page-break-inside:avoid;">
<td colspan="13" style="border-bottom:1px solid #000000;vertical-align:bottom;">&#160;</td>
<td>&#160;</td>
<td style="border-bottom:1px solid #000000;vertical-align:bottom;">&#160;</td>
<td style="border-bottom:1px solid #000000;vertical-align:bottom;">&#160;</td>
<td style="padding-right:2pt;vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;padding-right:2pt;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="border-bottom:1px solid #000000;vertical-align:bottom;">&#160;</td>
<td style="border-bottom:1px solid #000000;vertical-align:bottom;">&#160;</td>
<td style="padding-right:2pt;vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;padding-right:2pt;">&#160;</td> </tr>
<tr style="page-break-inside:avoid;font-size:8pt;">
<td style="vertical-align:top;padding:0;"> <p style="font-family:Trebuchet MS;font-weight:bold;margin-left:0.38em;text-align:left;text-indent:0.00em;font-size:8pt;margin-bottom:0pt;margin-top:0pt">Average borrowed funds </p> </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-weight:bold;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-weight:bold;font-size:8pt;margin-bottom:0pt;margin-top:0pt"></p> </td>
<td style="vertical-align:bottom;font-weight:bold;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-weight:bold;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-weight:bold;font-size:8pt;margin-bottom:0pt;margin-top:0pt"></p> </td>
<td style="vertical-align:bottom;font-weight:bold;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-weight:bold;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-weight:bold;font-size:8pt;margin-bottom:0pt;margin-top:0pt"></p> </td>
<td style="vertical-align:bottom;font-weight:bold;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-weight:bold;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-weight:bold;font-size:8pt;margin-bottom:0pt;margin-top:0pt"></p> </td>
<td style="vertical-align:bottom;font-weight:bold;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-weight:bold;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-weight:bold;font-size:8pt;margin-bottom:0pt;margin-top:0pt"></p> </td>
<td style="vertical-align:bottom;font-weight:bold;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-weight:bold;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-weight:bold;font-size:8pt;margin-bottom:0pt;margin-top:0pt"></p> </td>
<td style="vertical-align:bottom;font-weight:bold;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-weight:bold;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-weight:bold;font-size:8pt;margin-bottom:0pt;margin-top:0pt"></p> </td>
<td style="vertical-align:bottom;font-weight:bold;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td> </tr>
<tr style="background-color:#cceeff;page-break-inside:avoid;font-size:8pt;">
<td style="vertical-align:top;padding:0;"> <p style="font-family:Trebuchet MS;margin-left:0.38em;text-align:left;font-size:8pt;margin-bottom:0pt;margin-top:0pt">Federal funds purchased and securities sold <br />under agreements to repurchase </p> </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">$</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">456 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">$</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">487 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">$</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">821&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">$</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">(31) </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">(6)&#160;&#160;%&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">$</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">(365</p> </td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">) </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">(44)&#160;% </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td> </tr>
<tr style="page-break-inside:avoid;font-size:8pt;">
<td style="vertical-align:top;padding:0;"> <p style="font-family:Trebuchet MS;margin-left:0.38em;text-align:left;font-size:8pt;margin-bottom:0pt;margin-top:0pt">Other short-term borrowed funds<sup style="font-size:85%;vertical-align:top">(1)</sup></p> </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">48 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">113 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">341&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">(65) </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">(58)&#160;&#160;&#160;&#160;&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">(293</p> </td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">) </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">(86)&#160;&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td> </tr>
<tr style="background-color:#cceeff;page-break-inside:avoid;font-size:8pt;">
<td style="vertical-align:top;padding:0;"> <p style="font-family:Trebuchet MS;margin-left:0.38em;text-align:left;font-size:8pt;margin-bottom:0pt;margin-top:0pt">Long-term borrowed funds<sup style="font-size:85%;vertical-align:top">(1)</sup></p> </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt"></p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt"></p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt"></p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt"></p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt"></p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt"></p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt"></p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td> </tr>
<tr style="page-break-inside:avoid;font-size:8pt;">
<td style="vertical-align:top;padding:0;"> <p style="font-family:Trebuchet MS;margin-left:0.38em;text-align:left;font-size:8pt;margin-bottom:0pt;margin-top:0pt">&#160;&#160;&#160;&#160;FHLB advances </p> </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">3,259 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">2,478 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">6,684&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">781 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">32&#160;&#160;&#160;&#160;&#160;&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">(3,425</p> </td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">) </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">(51)&#160;&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td> </tr>
<tr style="background-color:#cceeff;page-break-inside:avoid;font-size:8pt;">
<td style="vertical-align:top;padding:0;"> <p style="font-family:Trebuchet MS;margin-left:0.38em;text-align:left;font-size:8pt;margin-bottom:0pt;margin-top:0pt">&#160;&#160;&#160;&#160;Senior debt </p> </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">7,914 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">8,000 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">7,241&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">(86) </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">(1)&#160;&#160;&#160;&#160;&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">673 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">9&#160;&#160;&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td> </tr>
<tr style="page-break-inside:avoid;font-size:8pt;">
<td style="vertical-align:top;padding:0;"> <p style="font-family:Trebuchet MS;margin-left:0.38em;text-align:left;font-size:8pt;margin-bottom:0pt;margin-top:0pt">&#160;&#160;&#160;&#160;Subordinated debt and other debt </p> </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">1,657 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">1,656 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">1,648&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">1 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">&#8212;&#160;&#160;&#160;&#160;&#160;&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">9 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">1&#160;&#160;&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td> </tr>
<tr style="font-size:0pt;page-break-inside:avoid;">
<td colspan="13" style="border-bottom:1px solid #000000;vertical-align:bottom;">&#160;</td>
<td>&#160;</td>
<td style="border-bottom:1px solid #000000;vertical-align:bottom;">&#160;</td>
<td style="border-bottom:1px solid #000000;vertical-align:bottom;">&#160;</td>
<td style="padding-right:2pt;vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;padding-right:2pt;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="border-bottom:1px solid #000000;vertical-align:bottom;">&#160;</td>
<td style="border-bottom:1px solid #000000;vertical-align:bottom;">&#160;</td>
<td style="padding-right:2pt;vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;padding-right:2pt;">&#160;</td> </tr>
<tr style="background-color:#cceeff;page-break-inside:avoid;font-size:8pt;">
<td style="vertical-align:top;padding:0;"> <p style="font-family:Trebuchet MS;margin-left:0.38em;text-align:left;font-size:8pt;margin-bottom:0pt;margin-top:0pt">Total average borrowed funds </p> </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">$</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">13,334 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">$</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">12,734 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">$</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">16,735&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">$</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">600 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">5&#160;&#160;&#160;&#160;%&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">$</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">(3,401</p> </td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">) </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">(20)&#160;%</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td> </tr>
<tr style="font-size:0pt;page-break-inside:avoid;">
<td colspan="13" style="border-bottom:1px solid #000000;vertical-align:bottom;">&#160;</td>
<td>&#160;</td>
<td style="border-bottom:1px solid #000000;vertical-align:bottom;">&#160;</td>
<td style="border-bottom:1px solid #000000;vertical-align:bottom;">&#160;</td>
<td style="padding-right:2pt;vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;padding-right:2pt;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="border-bottom:1px solid #000000;vertical-align:bottom;">&#160;</td>
<td style="border-bottom:1px solid #000000;vertical-align:bottom;">&#160;</td>
<td style="padding-right:2pt;vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;padding-right:2pt;">&#160;</td> </tr> </table> <p style="font-family:Trebuchet MS;text-align:left;font-size:8pt;margin-bottom:0pt;margin-top:0pt">1) Beginning in 1Q19, borrowed funds balances are based on original maturity and prior periods have been revised consistent with the current presentation. </p> <p style="font-family:Trebuchet MS;text-align:justify;font-size:10pt;margin-bottom:0px;margin-top:12pt">Total borrowed funds of $14.3&#160;billion at December&#160;31, 2019 decreased $2.9&#160;billion, or 17%, from December&#160;31, 2018, reflecting a $2.5&#160;billion decrease in long-term FHLB borrowings and a $1.0&#160;billion decrease in short-term borrowings, partially offset by a $613&#160;million increase in senior debt, given improved funding mix from deposit growth. Compared with September&#160;30, 2019, total borrowed funds increased $438&#160;million driven by a $2.0&#160;billion increase in long-term FHLB advances, partially offset by a $761&#160;million decrease in senior debt and a $803&#160;million decrease in short-term borrowed funds. </p> <p style="font-family:Trebuchet MS;text-align:justify;font-size:10pt;margin-bottom:0px;margin-top:12pt">Average borrowed funds of $13.3&#160;billion decreased $3.4&#160;billion, or 20%, from fourth quarter 2018 driven by a $3.4&#160;billion decrease in long-term FHLB borrowings and a $658&#160;million decrease in short-term borrowings, reflecting improved funding mix from deposit growth, partially offset by a $673&#160;million increase in senior debt. Compared with September&#160;30, 2019 average borrowed funds increased $600&#160;million, or 5%, reflecting a $781&#160;million increase in long-term FHLB borrowings, partially offset by a $96&#160;million decrease in short-term borrowings and an $86&#160;million decrease in senior debt. </p>
<table cellspacing="0" cellpadding="0" border="0" style="font-size:8pt;border-collapse:separate;border-spacing:0;width:100%;margin-bottom:0px;margin-top:12pt;margin-left:auto;margin-right:auto">
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<td style="vertical-align:bottom;"> <p style="font-family:Trebuchet MS;font-weight:bold;text-align:left;font-size:8pt;margin-bottom:0pt;margin-top:0pt">&#160;Capital </p> </td>
<td style="vertical-align:bottom;">&#160;</td>
<td colspan="2" style="vertical-align:bottom;"> <p style="font-family:Trebuchet MS;font-weight:bold;text-align:center;font-size:8pt;margin-bottom:0pt;margin-top:0pt"></p> </td>
<td style="vertical-align:bottom;font-weight:bold;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td colspan="2" style="vertical-align:bottom;"> <p style="font-family:Trebuchet MS;font-weight:bold;text-align:center;font-size:8pt;margin-bottom:0pt;margin-top:0pt"></p> </td>
<td style="vertical-align:bottom;font-weight:bold;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td colspan="2" style="vertical-align:bottom;"> <p style="font-family:Trebuchet MS;font-weight:bold;text-align:center;font-size:8pt;margin-bottom:0pt;margin-top:0pt"></p> </td>
<td style="vertical-align:bottom;font-weight:bold;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;"> <p style="font-family:Trebuchet MS;font-weight:bold;text-align:center;font-size:8pt;margin-bottom:0pt;margin-top:0pt"></p> </td>
<td style="vertical-align:bottom;">&#160;</td>
<td colspan="14" style="border-bottom:1pt solid #000000;vertical-align:bottom;"> <p style="font-family:Trebuchet MS;font-weight:bold;text-align:center;font-size:8pt;margin-bottom:0pt;margin-top:0pt">4Q19 change from </p> </td>
<td>&#160;</td> </tr>
<tr style="page-break-inside:avoid;font-size:8pt;">
<td style="vertical-align:bottom;"> <p style="font-family:Trebuchet MS;font-weight:bold;text-align:left;font-size:8pt;margin-bottom:0pt;margin-top:0pt">&#160;<span style="font-style:Italic">($s and shares in millions except per share data)</span></p> </td>
<td style="vertical-align:bottom;">&#160;</td>
<td colspan="2" style="vertical-align:bottom;"> <p style="font-family:Trebuchet MS;font-weight:bold;text-align:right;font-size:8pt;margin-bottom:0pt;margin-top:0pt">4Q19&#160;&#160;&#160;&#160;</p> </td>
<td style="vertical-align:bottom;font-weight:bold;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td colspan="2" style="vertical-align:bottom;"> <p style="font-family:Trebuchet MS;font-weight:bold;text-align:right;font-size:8pt;margin-bottom:0pt;margin-top:0pt">3Q19&#160;&#160;&#160;&#160;</p> </td>
<td style="vertical-align:bottom;font-weight:bold;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td colspan="2" style="vertical-align:bottom;"> <p style="font-family:Trebuchet MS;font-weight:bold;text-align:right;font-size:8pt;margin-bottom:0pt;margin-top:0pt">4Q18&#160;</p> </td>
<td style="vertical-align:bottom;font-weight:bold;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;"> <p style="font-family:Trebuchet MS;font-weight:bold;text-align:right;font-size:8pt;margin-bottom:0pt;margin-top:0pt"></p> </td>
<td style="vertical-align:bottom;">&#160;</td>
<td colspan="6" style="vertical-align:bottom;"> <p style="font-family:Trebuchet MS;font-weight:bold;text-align:center;font-size:8pt;margin-bottom:0pt;margin-top:0pt">3Q19 </p> </td>
<td>&#160;</td>
<td>&#160;</td>
<td colspan="6" style="vertical-align:bottom;"> <p style="font-family:Trebuchet MS;font-weight:bold;text-align:center;font-size:8pt;margin-bottom:0pt;margin-top:0pt">4Q18 </p> </td>
<td>&#160;</td> </tr>
<tr style="font-size:0pt;page-break-inside:avoid;">
<td colspan="13" style="border-bottom:1px solid #000000;vertical-align:bottom;">&#160;</td>
<td>&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td colspan="6" style="border-bottom:1px solid #000000;vertical-align:bottom;">&#160;</td>
<td>&#160;</td>
<td>&#160;</td>
<td colspan="6" style="border-bottom:1px solid #000000;vertical-align:bottom;">&#160;</td>
<td>&#160;</td> </tr>
<tr style="page-break-inside:avoid;font-size:8pt;">
<td style="vertical-align:bottom;"> <p style="font-family:Trebuchet MS;font-weight:bold;margin-left:1.00em;text-align:left;text-indent:-1.00em;font-size:8pt;margin-bottom:0pt;margin-top:0pt">&#160;<span style="white-space:nowrap">Period-end</span> capital </p> </td>
<td style="vertical-align:bottom;">&#160;</td>
<td colspan="2" style="vertical-align:bottom;"> <p style="font-family:Trebuchet MS;font-weight:bold;text-align:center;font-size:8pt;margin-bottom:0pt;margin-top:0pt"></p> </td>
<td style="vertical-align:bottom;font-weight:bold;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td colspan="2" style="vertical-align:bottom;"> <p style="font-family:Trebuchet MS;font-weight:bold;text-align:center;font-size:8pt;margin-bottom:0pt;margin-top:0pt"></p> </td>
<td style="vertical-align:bottom;font-weight:bold;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td colspan="2" style="vertical-align:bottom;"> <p style="font-family:Trebuchet MS;font-weight:bold;text-align:center;font-size:8pt;margin-bottom:0pt;margin-top:0pt"></p> </td>
<td style="vertical-align:bottom;font-weight:bold;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;"> <p style="font-family:Trebuchet MS;font-weight:bold;text-align:center;font-size:8pt;margin-bottom:0pt;margin-top:0pt"></p> </td>
<td style="vertical-align:bottom;">&#160;</td>
<td colspan="2" style="vertical-align:bottom;"> <p style="font-family:Trebuchet MS;font-weight:bold;text-align:center;font-size:8pt;margin-bottom:0pt;margin-top:0pt">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;</p> </td>
<td style="vertical-align:bottom;font-weight:bold;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td colspan="2" style="vertical-align:bottom;"> <p style="font-family:Trebuchet MS;font-weight:bold;text-align:center;font-size:8pt;margin-bottom:0pt;margin-top:0pt">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;%&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;</p> </td>
<td style="vertical-align:bottom;font-weight:bold;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td colspan="2" style="vertical-align:bottom;"> <p style="font-family:Trebuchet MS;font-weight:bold;text-align:center;font-size:8pt;margin-bottom:0pt;margin-top:0pt">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;</p> </td>
<td style="vertical-align:bottom;font-weight:bold;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td colspan="2" style="vertical-align:bottom;"> <p style="font-family:Trebuchet MS;font-weight:bold;text-align:center;font-size:8pt;margin-bottom:0pt;margin-top:0pt">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;%&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;</p> </td>
<td style="vertical-align:bottom;font-weight:bold;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td> </tr>
<tr style="font-size:0pt;page-break-inside:avoid;">
<td style="vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;padding-right:2pt;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;padding-right:2pt;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;padding-right:2pt;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td colspan="6" style="border-bottom:1px solid #000000;vertical-align:bottom;">&#160;</td>
<td>&#160;</td>
<td>&#160;</td>
<td colspan="6" style="border-bottom:1px solid #000000;vertical-align:bottom;">&#160;</td>
<td>&#160;</td> </tr>
<tr style="background-color:#cceeff;page-break-inside:avoid;font-size:8pt;">
<td style="vertical-align:top;padding:0;"> <p style="font-family:Trebuchet MS;margin-left:1.00em;text-align:left;text-indent:-1.00em;font-size:8pt;margin-bottom:0pt;margin-top:0pt">&#160;Stockholders&#8217; equity </p> </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">$</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">&#160;&#160;&#160;22,201&#160;&#160;&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">$</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">&#160;&#160;&#160;&#160;&#160;21,851&#160;&#160;&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">$</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">&#160;&#160;20,817&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;"> <p style="font-family:Trebuchet MS;text-align:right;font-size:8pt;margin-bottom:0pt;margin-top:0pt"></p> </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;&#160;$</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">350 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">2&#160;&#160;%&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;&#160;$</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">1,384 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">7&#160;&#160;&#160;% </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td> </tr>
<tr style="page-break-inside:avoid;font-size:8pt;">
<td style="vertical-align:top;padding:0;"> <p style="font-family:Trebuchet MS;margin-left:1.00em;text-align:left;text-indent:-1.00em;font-size:8pt;margin-bottom:0pt;margin-top:0pt">&#160;Stockholders&#8217; common equity </p> </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">20,631&#160;&#160;&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">20,718&#160;&#160;&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">19,977&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;"> <p style="font-family:Trebuchet MS;text-align:right;font-size:8pt;margin-bottom:0pt;margin-top:0pt"></p> </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">(87</p> </td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">) </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">&#8212;&#160;&#160;&#160;&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">654 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">3&#160;&#160;&#160;&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td> </tr>
<tr style="background-color:#cceeff;page-break-inside:avoid;font-size:8pt;">
<td style="vertical-align:top;padding:0;"> <p style="font-family:Trebuchet MS;margin-left:1.00em;text-align:left;text-indent:-1.00em;font-size:8pt;margin-bottom:0pt;margin-top:0pt">&#160;Tangible common equity </p> </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">13,893&#160;&#160;&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">13,976&#160;&#160;&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">13,389&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;"> <p style="font-family:Trebuchet MS;text-align:right;font-size:8pt;margin-bottom:0pt;margin-top:0pt"></p> </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">(83</p> </td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">) </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">(1)&#160;&#160;&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">504 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">4&#160;&#160;&#160;&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td> </tr>
<tr style="page-break-inside:avoid;font-size:8pt;">
<td style="vertical-align:top;padding:0;"> <p style="font-family:Trebuchet MS;margin-left:1.00em;text-align:left;text-indent:-1.00em;font-size:8pt;margin-bottom:0pt;margin-top:0pt">&#160;Tangible book value per common share </p> </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">$</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">32.08&#160;&#160;&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">$</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">31.48&#160;&#160;&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">$</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">28.73&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;"> <p style="font-family:Trebuchet MS;text-align:right;font-size:8pt;margin-bottom:0pt;margin-top:0pt"></p> </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;&#160;$</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">0.60 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">2&#160;&#160;&#160;&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;&#160;$</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">3.35 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">12&#160;&#160;&#160;&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td> </tr>
<tr style="background-color:#cceeff;page-break-inside:avoid;font-size:8pt;">
<td style="vertical-align:top;padding:0;"> <p style="font-family:Trebuchet MS;margin-left:1.00em;text-align:left;text-indent:-1.00em;font-size:8pt;margin-bottom:0pt;margin-top:0pt">&#160;Common shares - at end of period </p> </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">433.1&#160;&#160;&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">443.9&#160;&#160;&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">466.0&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;"> <p style="font-family:Trebuchet MS;text-align:right;font-size:8pt;margin-bottom:0pt;margin-top:0pt"></p> </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">(10.8</p> </td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">) </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">(2)&#160;&#160;&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">(32.9</p> </td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">) </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">(7)&#160;&#160;&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td> </tr>
<tr style="page-break-inside:avoid;font-size:8pt;">
<td style="vertical-align:top;padding:0;"> <p style="font-family:Trebuchet MS;margin-left:1.00em;text-align:left;text-indent:-1.00em;font-size:8pt;margin-bottom:0pt;margin-top:0pt">&#160;Common shares - average (diluted) </p> </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">436.5&#160;&#160;&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">447.1&#160;&#160;&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">469.1&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;"> <p style="font-family:Trebuchet MS;text-align:right;font-size:8pt;margin-bottom:0pt;margin-top:0pt"></p> </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">(10.6</p> </td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">) </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">(2)&#160;&#160;% </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">(32.6</p> </td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">) </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">(7)&#160;%&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td> </tr>
<tr style="background-color:#cceeff;page-break-inside:avoid;font-size:8pt;">
<td style="vertical-align:top;padding:0;"> <p style="font-family:Trebuchet MS;margin-left:1.00em;text-align:left;text-indent:-1.00em;font-size:8pt;margin-bottom:0pt;margin-top:0pt">&#160;Common equity tier 1 capital ratio<sup style="font-size:85%;vertical-align:top">(1)</sup></p> </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">10.0&#160;&#160;% </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">10.3&#160;&#160;% </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">10.6&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;"> <p style="font-family:Trebuchet MS;text-align:right;font-size:8pt;margin-bottom:0pt;margin-top:0pt">% </p> </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt"></p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt"></p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt"></p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt"></p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td> </tr>
<tr style="page-break-inside:avoid;font-size:8pt;">
<td style="vertical-align:top;padding:0;"> <p style="font-family:Trebuchet MS;margin-left:1.00em;text-align:left;text-indent:-1.00em;font-size:8pt;margin-bottom:0pt;margin-top:0pt">&#160;Total capital ratio<sup style="font-size:85%;vertical-align:top">(1)</sup></p> </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">13.0&#160;&#160;&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">13.0&#160;&#160;&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">13.3&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;"> <p style="font-family:Trebuchet MS;text-align:right;font-size:8pt;margin-bottom:0pt;margin-top:0pt"></p> </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt"></p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt"></p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt"></p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt"></p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td> </tr>
<tr style="background-color:#cceeff;page-break-inside:avoid;font-size:8pt;">
<td style="vertical-align:top;padding:0;"> <p style="font-family:Trebuchet MS;margin-left:1.00em;text-align:left;text-indent:-1.00em;font-size:8pt;margin-bottom:0pt;margin-top:0pt">&#160;Tier 1 leverage ratio<sup style="font-size:85%;vertical-align:top">(1)</sup></p> </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">10.0&#160;&#160;% </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">9.9&#160;% </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">10.0&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;"> <p style="font-family:Trebuchet MS;text-align:right;font-size:8pt;margin-bottom:0pt;margin-top:0pt">% </p> </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt"></p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt"></p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt"></p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt"></p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td> </tr>
<tr style="font-size:0pt;page-break-inside:avoid;">
<td colspan="13" style="border-bottom:1px solid #000000;vertical-align:bottom;">&#160;</td>
<td>&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td colspan="6" style="border-bottom:1px solid #000000;vertical-align:bottom;">&#160;</td>
<td>&#160;</td>
<td>&#160;</td>
<td colspan="6" style="border-bottom:1px solid #000000;vertical-align:bottom;">&#160;</td>
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 <div style="width:100%"> <p style="font-family:Trebuchet MS;text-align:center;font-size:10pt;margin-bottom:0pt;margin-top:0pt">17</p> <div></div> </div>

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 <div style="font-size:10pt;width:100%"> <p style="font-family:Trebuchet MS;text-align:justify;font-size:10pt;margin-bottom:0pt;margin-top:0pt">At December&#160;31, 2019, our Basel III capital ratios remained well in excess of applicable regulatory requirements with a CET1 capital ratio of 10.0% compared with 10.3% at September&#160;30, 2019 and 10.6% at December&#160;31, 2018, and a total capital ratio of 13.0% compared with total capital ratios of 13.0% as of September&#160;30, 2019 and 13.3% as of December&#160;31, 2018. </p> <p style="font-family:Trebuchet MS;text-align:justify;font-size:10pt;margin-bottom:0px;margin-top:12pt">Tangible book value per common share of $32.08 increased 2% from third quarter 2019 and increased 12% from fourth quarter 2018. </p> <p style="font-family:Trebuchet MS;text-align:justify;font-size:10pt;margin-bottom:0px;margin-top:12pt">As part of CFG&#8217;s 2019 Capital Plan, the company increased its first quarter 2020 quarterly common dividend by 8% to $0.39 per common share. During the fourth quarter 2019, the company repurchased 10.9&#160;million shares of common stock at a weighted-average price of $36.68, and including common dividends, returned $558&#160;million to shareholders. These results compare with $662&#160;million returned to common shareholders in third quarter 2019 and $427&#160;million in fourth quarter 2018. </p> <p style="font-family:Trebuchet MS;text-align:justify;font-size:10pt;margin-bottom:0px;margin-top:12pt">In 2019, the company repurchased 34&#160;million shares of common stock at a weighted-average price of $35.56, and including common dividends, returned $1.84&#160;billion to common shareholders, up 23% from 2018. Comparables for 2018 were repurchases of 25.8&#160;million shares of common stock at a weighted-average price of $39.77, and including common dividends, $1.5&#160;billion returned to common shareholders. </p>
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<td style="vertical-align:bottom;">&#160;</td>
<td colspan="2" style="vertical-align:bottom;"> <p style="font-family:Trebuchet MS;font-weight:bold;text-align:center;font-size:8pt;margin-bottom:0pt;margin-top:0pt"></p> </td>
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<td style="vertical-align:bottom;font-weight:bold;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
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<td style="vertical-align:bottom;"> <p style="font-family:Trebuchet MS;font-weight:bold;text-align:center;font-size:8pt;margin-bottom:0pt;margin-top:0pt"></p> </td>
<td style="vertical-align:bottom;">&#160;</td>
<td colspan="13" style="border-bottom:1pt solid #000000;vertical-align:bottom;"> <p style="font-family:Trebuchet MS;font-weight:bold;text-align:center;font-size:8pt;margin-bottom:0pt;margin-top:0pt">4Q19 change from </p> </td> </tr>
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<td style="vertical-align:bottom;"> <p style="font-family:Trebuchet MS;font-weight:bold;margin-left:0.00em;text-align:left;text-indent:0.00em;font-size:8pt;margin-bottom:0pt;margin-top:0pt"> <span style="font-style:Italic">($s in millions)</span> </p> </td>
<td style="vertical-align:bottom;">&#160;</td>
<td colspan="2" style="vertical-align:bottom;"> <p style="font-family:Trebuchet MS;font-weight:bold;text-align:center;font-size:8pt;margin-bottom:0pt;margin-top:0pt">4Q19 </p> </td>
<td style="vertical-align:bottom;font-weight:bold;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
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<td colspan="2" style="vertical-align:bottom;"> <p style="font-family:Trebuchet MS;font-weight:bold;text-align:center;font-size:8pt;margin-bottom:0pt;margin-top:0pt">3Q19 </p> </td>
<td style="vertical-align:bottom;font-weight:bold;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
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<td style="vertical-align:bottom;font-weight:bold;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
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<td colspan="6" style="vertical-align:bottom;"> <p style="font-family:Trebuchet MS;font-weight:bold;text-align:center;font-size:8pt;margin-bottom:0pt;margin-top:0pt">3Q19 </p> </td>
<td>&#160;</td>
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<td colspan="5" style="vertical-align:bottom;"> <p style="font-family:Trebuchet MS;font-weight:bold;text-align:center;font-size:8pt;margin-bottom:0pt;margin-top:0pt">4Q18 </p> </td> </tr>
<tr style="font-size:0pt;page-break-inside:avoid;">
<td colspan="13" style="border-bottom:1px solid #000000;vertical-align:bottom;">&#160;</td>
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<td colspan="2" style="vertical-align:bottom;"> <p style="font-family:Trebuchet MS;font-weight:bold;text-align:center;font-size:8pt;margin-bottom:0pt;margin-top:0pt">&#160;&#160;&#160;&#160;$/bps&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;</p> </td>
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<td style="vertical-align:bottom;"> <p style="font-family:Trebuchet MS;font-weight:bold;text-align:center;font-size:8pt;margin-bottom:0pt;margin-top:0pt">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;%&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;</p> </td> </tr>
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<td style="vertical-align:top;padding:0;"> <p style="font-family:Trebuchet MS;margin-left:0.00em;text-align:left;text-indent:0.00em;font-size:8pt;margin-bottom:0pt;margin-top:0pt">Nonperforming loans and leases </p> </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;&#160;$</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">703&#160;&#160;&#160;&#160;&#160;</p> </td>
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<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">$</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">737&#160;&#160;&#160;&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
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<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">$</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">766&#160;&#160;</p> </td>
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<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;&#160;$</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">&#160;&#160;&#160;&#160;&#160;(34)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
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<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">(5)&#160;&#160;%&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
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<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;&#160;$</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">&#160;&#160;&#160;&#160;&#160;(63)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
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<td style="vertical-align:bottom;"> <p style="font-family:Trebuchet MS;text-align:right;font-size:8pt;margin-bottom:0pt;margin-top:0pt">(8)&#160;% </p> </td> </tr>
<tr style="page-break-inside:avoid;font-size:8pt;">
<td style="vertical-align:top;padding:0;"> <p style="font-family:Trebuchet MS;margin-left:0.00em;text-align:left;text-indent:0.00em;font-size:8pt;margin-bottom:0pt;margin-top:0pt">Net charge-offs </p> </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">122&#160;&#160;&#160;&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
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<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">113&#160;&#160;&#160;&#160;&#160;</p> </td>
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<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">85&#160;&#160;</p> </td>
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<td style="vertical-align:bottom;"> <p style="font-family:Trebuchet MS;text-align:right;font-size:8pt;margin-bottom:0pt;margin-top:0pt"></p> </td>
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<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">9&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
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<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">8&#160;&#160;&#160;&#160;&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
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<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">37&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
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<td style="vertical-align:bottom;"> <p style="font-family:Trebuchet MS;text-align:right;font-size:8pt;margin-bottom:0pt;margin-top:0pt">44&#160;&#160;&#160;&#160;</p> </td> </tr>
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<td style="vertical-align:top;padding:0;"> <p style="font-family:Trebuchet MS;margin-left:0.00em;text-align:left;text-indent:0.00em;font-size:8pt;margin-bottom:0pt;margin-top:0pt">Provision for credit losses </p> </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">110&#160;&#160;&#160;&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
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<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">101&#160;&#160;&#160;&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">85&#160;&#160;</p> </td>
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<td style="vertical-align:bottom;"> <p style="font-family:Trebuchet MS;text-align:right;font-size:8pt;margin-bottom:0pt;margin-top:0pt"></p> </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">9&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
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<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">9&#160;&#160;&#160;&#160;&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">25&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;"> <p style="font-family:Trebuchet MS;text-align:right;font-size:8pt;margin-bottom:0pt;margin-top:0pt">29&#160;&#160;&#160;&#160;</p> </td> </tr>
<tr style="page-break-inside:avoid;font-size:8pt;">
<td style="vertical-align:top;padding:0;"> <p style="font-family:Trebuchet MS;margin-left:0.00em;text-align:left;text-indent:0.00em;font-size:8pt;margin-bottom:0pt;margin-top:0pt">Allowance for loan and lease losses </p> </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;&#160;$</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">&#160;&#160;&#160;1,252&#160;&#160;&#160;&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">$</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">&#160;&#160;&#160;1,263&#160;&#160;&#160;&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">$</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">&#160;&#160;&#160;1,242&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;"> <p style="font-family:Trebuchet MS;text-align:right;font-size:8pt;margin-bottom:0pt;margin-top:0pt"></p> </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;&#160;$</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">(11)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">(1)&#160;&#160;&#160;% </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;&#160;$</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">10&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;"> <p style="font-family:Trebuchet MS;text-align:right;font-size:8pt;margin-bottom:0pt;margin-top:0pt">1&#160;&#160;% </p> </td> </tr>
<tr style="background-color:#cceeff;page-break-inside:avoid;font-size:8pt;">
<td style="vertical-align:top;padding:0;"> <p style="font-family:Trebuchet MS;margin-left:0.00em;text-align:left;text-indent:0.00em;font-size:8pt;margin-bottom:0pt;margin-top:0pt">Nonperforming loans and leases as a % of loans and leases </p> </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">0.59&#160;&#160;&#160;% </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">0.63&#160;&#160;&#160;% </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">0.66&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;"> <p style="font-family:Trebuchet MS;text-align:right;font-size:8pt;margin-bottom:0pt;margin-top:0pt">% </p> </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">(4)&#160;&#160;bps&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt"></p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">(7)&#160;&#160;bps&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;"> <p style="font-family:Trebuchet MS;text-align:right;font-size:8pt;margin-bottom:0pt;margin-top:0pt"></p> </td> </tr>
<tr style="page-break-inside:avoid;font-size:8pt;">
<td style="vertical-align:top;padding:0;"> <p style="font-family:Trebuchet MS;margin-left:0.00em;text-align:left;text-indent:0.00em;font-size:8pt;margin-bottom:0pt;margin-top:0pt">Net charge-offs as a % of average loans and leases </p> </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">0.41&#160;&#160;&#160;&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">0.38&#160;&#160;&#160;&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">0.29&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;"> <p style="font-family:Trebuchet MS;text-align:right;font-size:8pt;margin-bottom:0pt;margin-top:0pt"></p> </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">3&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt"></p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">12&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;"> <p style="font-family:Trebuchet MS;text-align:right;font-size:8pt;margin-bottom:0pt;margin-top:0pt"></p> </td> </tr>
<tr style="background-color:#cceeff;page-break-inside:avoid;font-size:8pt;">
<td style="vertical-align:top;padding:0;"> <p style="font-family:Trebuchet MS;margin-left:0.00em;text-align:left;text-indent:0.00em;font-size:8pt;margin-bottom:0pt;margin-top:0pt">Allowance for loan and lease losses as a % of loans and leases </p> </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">1.05&#160;&#160;&#160;&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">1.07&#160;&#160;&#160;&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">1.06&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;"> <p style="font-family:Trebuchet MS;text-align:right;font-size:8pt;margin-bottom:0pt;margin-top:0pt"></p> </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">(2)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt"></p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">(1)&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;"> <p style="font-family:Trebuchet MS;text-align:right;font-size:8pt;margin-bottom:0pt;margin-top:0pt"></p> </td> </tr>
<tr style="page-break-inside:avoid;font-size:8pt;">
<td style="vertical-align:top;padding:0;"> <p style="font-family:Trebuchet MS;margin-left:0.00em;text-align:left;text-indent:0.00em;font-size:8pt;margin-bottom:0pt;margin-top:0pt">Allowance for loan and lease losses as a % of nonperforming loans and leases </p> </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">178.0&#160;&#160;&#160;% </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">171.4&#160;&#160;&#160;% </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">162.2&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;"> <p style="font-family:Trebuchet MS;text-align:right;font-size:8pt;margin-bottom:0pt;margin-top:0pt">% </p> </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">660&#160;&#160;bps&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt"></p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">1,579&#160;&#160;&#160;bps&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;"> <p style="font-family:Trebuchet MS;text-align:right;font-size:8pt;margin-bottom:0pt;margin-top:0pt"></p> </td> </tr>
<tr style="font-size:0pt;page-break-inside:avoid;">
<td colspan="13" style="border-bottom:1px solid #000000;vertical-align:bottom;">&#160;</td>
<td>&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td colspan="13" style="border-bottom:1px solid #000000;vertical-align:bottom;">&#160;</td> </tr> </table> <p style="font-family:Trebuchet MS;text-align:justify;font-size:10pt;margin-bottom:0px;margin-top:12pt">Overall credit quality remains strong, reflecting an improving risk profile in retail and a broadly stable risk profile in commercial. Nonperforming loans and leases decreased $63&#160;million, or 8%, compared with December&#160;31, 2018, reflecting a $44&#160;million increase tied to commercial and a $107&#160;million decrease in retail driven by improvements in home equity, education and auto. Compared to September&#160;30, 2019, nonperforming loans and leases of $703&#160;million decreased $34&#160;million, or 5%, reflecting a $36&#160;million decrease in commercial, partially offset by a $2&#160;million increase in retail. The nonperforming loans and leases to loans and leases ratio of 0.59% at December&#160;31, 2019 improved 4 basis points from 0.63% at September&#160;30, 2019 and improved 7 basis points from 0.66% at December&#160;31, 2018. </p> <p style="font-family:Trebuchet MS;text-align:justify;font-size:10pt;margin-bottom:0px;margin-top:12pt">Net charge-offs of $122&#160;million increased $37&#160;million from fourth quarter 2018, reflecting a $19&#160;million increase in commercial and an $18&#160;million increase in retail driven by expected seasoning in growth portfolios. Compared with third quarter 2019, net charge-offs of $122&#160;million increased $9&#160;million driven by a $14&#160;million increase in retail reflecting seasonally-higher losses in auto and expected seasoning in other retail, partially offset by lower commercial, which reflects a $5&#160;million impact tied to the third quarter 2019 lease restructuring transaction. </p> <p style="font-family:Trebuchet MS;text-align:justify;font-size:10pt;margin-bottom:0px;margin-top:12pt">Fourth quarter 2019 net charge-offs were 41 basis points of average loans and leases compared with 29 basis points in fourth quarter 2018 and 38 basis points in third quarter 2019. </p> <p style="font-family:Trebuchet MS;text-align:justify;font-size:10pt;margin-bottom:0px;margin-top:12pt">Allowance for loan and lease losses of $1.3&#160;billion decreased $11&#160;million from third quarter 2019 and increased $10&#160;million from fourth quarter 2018 levels. </p> <div></div> <p style="margin-top:1em;margin-bottom:0em"></p>
 <div style="width:100%"> <p style="font-family:Trebuchet MS;text-align:center;font-size:10pt;margin-bottom:0pt;margin-top:0pt">18</p> <div></div> </div>

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<p style='page-break-before:always'> </p>
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 <div style="font-size:10pt;width:100%"> <p style="font-family:Trebuchet MS;text-align:justify;font-size:10pt;margin-bottom:0pt;margin-top:0pt">The ratio of the allowance for loan and lease losses to loans and leases of 1.05% as of December&#160;31, 2019, compares to 1.07% as of September&#160;30, 2019 and 1.06% as of December&#160;31, 2018. The allowance for loan and lease losses to nonperforming loans and leases ratio of 178% as of December&#160;31, 2019 compares to 171% as of September&#160;30, 2019, and 162% as of December&#160;31, 2018. </p> <div></div> <p style="margin-top:1em;margin-bottom:0em"></p>
 <div style="width:100%"> <p style="font-family:Trebuchet MS;text-align:center;font-size:10pt;margin-bottom:0pt;margin-top:0pt">19</p> <div></div> </div>

 </div>



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 <div style="font-size:10pt;width:100%"> <p style="font-family:Trebuchet MS;font-weight:bold;text-align:left;text-decoration:underline;font-size:10pt;margin-bottom:0pt;margin-top:0pt"> <span style="font-weight:Bold;font-style:normal"> <span style="text-decoration:underline">About Citizens Financial Group, Inc</span> </span>. </p> <p style="font-family:Trebuchet MS;text-align:justify;font-size:10pt;margin-bottom:0px;margin-top:12pt">Citizens Financial Group, Inc. is one of the nation&#8217;s oldest and largest financial institutions, with $165.7&#160;billion in assets as of December&#160;31, 2019. Headquartered in Providence, Rhode Island, Citizens offers a broad range of retail and commercial banking products and services to individuals, small businesses, middle-market companies, large corporations and institutions. Citizens helps its customers reach their potential by listening to them and by understanding their needs in order to offer tailored advice, ideas and solutions. In Consumer Banking, Citizens provides an integrated experience that includes mobile and online banking, a 24/7 customer contact center and the convenience of approximately 2,700 ATMs and approximately 1,100 branches in 11 states in the New England, <span style="white-space:nowrap">Mid-Atlantic</span> and Midwest regions. Consumer Banking products and services include a full range of banking, lending, savings, wealth management and small business offerings. In Commercial Banking, Citizens offers corporate, institutional and <span style="white-space:nowrap">not-for-profit</span> clients a full range of wholesale banking products and services, including lending and deposits, capital markets, treasury services, foreign exchange and interest rate products, and asset finance.</p> <div></div> <p style="margin-top:1em;margin-bottom:0em"></p>
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 <div style="font-size:10pt;width:100%"> <p style="font-family:Trebuchet MS;font-weight:bold;text-align:left;text-decoration:underline;font-size:10pt;margin-bottom:0pt;margin-top:0pt">Key Performance Metrics and <span style="white-space:nowrap">Non-GAAP</span> Financial Measures and Reconciliations </p> <p style="font-family:Trebuchet MS;font-weight:bold;text-align:left;font-size:10pt;margin-bottom:0px;margin-top:12pt">(in millions, except share, <span style="white-space:nowrap">per-share</span> and ratio data) </p> <p style="font-family:Trebuchet MS;font-weight:bold;margin-left:0%;text-align:left;text-indent:0%;text-decoration:underline;font-size:10pt;margin-bottom:0px;margin-top:12pt">Key Performance Metrics: </p> <p style="font-family:Trebuchet MS;text-align:justify;font-size:10pt;margin-bottom:0px;margin-top:12pt">Our Management uses certain key performance metrics (KPMs) to gauge our progress against strategic and operational goals, as well as to compare our performance against peers. The KPMs are referred to in our Registration Statements on Form <span style="white-space:nowrap">S-1</span> and our external financial reports filed with the Securities and Exchange Commission. The KPMs include: </p> <p style="margin-bottom:0px;margin-top:6pt"></p>
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<td style="font-family:Trebuchet MS;text-align:justify;font-size:10pt;margin-bottom:0pt;margin-top:0pt;">Return on average tangible common equity (ROTCE);</td> </tr> </table>
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<td style="font-family:Trebuchet MS;text-align:justify;font-size:10pt;margin-bottom:0pt;margin-top:0pt;">Efficiency ratio;</td> </tr> </table>
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<td style="font-family:Trebuchet MS;text-align:justify;font-size:10pt;margin-bottom:0pt;margin-top:0pt;">Operating leverage; and</td> </tr> </table>
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<td style="font-family:Trebuchet MS;text-align:justify;font-size:10pt;margin-bottom:0pt;margin-top:0pt;">Common equity tier 1 capital ratio.</td> </tr> </table> <p style="font-family:Trebuchet MS;text-align:justify;font-size:10pt;margin-bottom:0px;margin-top:12pt">Established targets for the KPMs are based on Management-reporting results which are currently referred to by the Company as &#8220;Underlying&#8221; results. In historical periods, these results may have been referred to as &#8220;Adjusted&#8221; or &#8220;Adjusted/Underlying&#8221; results. We believe that Underlying results, which exclude notable items, provide the best representation of our underlying financial progress toward the KPMs as the results exclude items that our Management does not consider indicative of our <span style="white-space:nowrap">on-going</span> financial performance. We have consistently shown investors our KPMs on a Management-reporting basis since our initial public offering in September of 2014. KPMs that reflect Underlying results are considered <span style="white-space:nowrap">non-GAAP</span> financial measures. </p> <p style="font-family:Trebuchet MS;font-weight:bold;margin-left:0%;text-align:left;text-indent:0%;text-decoration:underline;font-size:10pt;margin-bottom:0px;margin-top:18pt"> <span style="white-space:nowrap">Non-GAAP</span> Financial Measures: </p> <p style="font-family:Trebuchet MS;text-align:justify;font-size:10pt;margin-bottom:0px;margin-top:18pt">This document contains <span style="white-space:nowrap">non-GAAP</span> financial measures denoted as Underlying results. In historical periods, these results may have been referred to as Adjusted or Adjusted/Underlying results. Underlying results for any given reporting period exclude certain items that may occur in that period which Management does not consider indicative of the Company&#8217;s <span style="white-space:nowrap">on-going</span> financial performance. We believe these <span style="white-space:nowrap">non-GAAP</span> financial measures provide useful information to investors because they are used by our Management to evaluate our operating performance and make <span style="white-space:nowrap">day-to-day </span>&#32;operating decisions. In addition, we believe our Underlying results in any given reporting period reflect our <span style="white-space:nowrap">on-going </span>&#32;financial performance in that period and, accordingly, are useful to consider in addition to our GAAP financial results. We further believe the presentation of Underlying results increases comparability of <span style="white-space:nowrap">period-to-period</span> results. The following tables present reconciliations of our <span style="white-space:nowrap">non-GAAP</span> measures to the most directly comparable GAAP financial measures. </p> <p style="font-family:Trebuchet MS;text-align:justify;font-size:10pt;margin-bottom:0px;margin-top:12pt">Other companies may use similarly titled <span style="white-space:nowrap">non-GAAP</span> financial measures that are calculated differently from the way we calculate such measures. Accordingly, our <span style="white-space:nowrap">non-GAAP</span> financial measures may not be comparable to similar measures used by such companies. We caution investors not to place undue reliance on such <span style="white-space:nowrap">non-GAAP</span> financial measures, but to consider them with the most directly comparable GAAP measures. <span style="white-space:nowrap">Non-GAAP</span> financial measures have limitations as analytical tools and should not be considered in isolation or as a substitute for our results reported under GAAP. </p> <div></div> <p style="margin-top:1em;margin-bottom:0em"></p>
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<td colspan="14" style="border-bottom:1pt solid #000000;vertical-align:bottom;"> <p style="font-family:Trebuchet MS;font-weight:bold;text-align:center;font-size:8pt;margin-bottom:0pt;margin-top:0pt">FULL YEAR </p> </td>
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<td style="vertical-align:bottom;font-weight:bold;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
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<td colspan="6" style="border-bottom:1pt solid #000000;vertical-align:bottom;"> <p style="font-family:Trebuchet MS;font-weight:bold;text-align:center;font-size:8pt;margin-bottom:0pt;margin-top:0pt">2019&#160;Change </p> </td>
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<td style="vertical-align:bottom;font-weight:bold;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
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<td style="vertical-align:bottom;font-weight:bold;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
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<td style="vertical-align:bottom;font-weight:bold;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
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<td style="vertical-align:bottom;font-weight:bold;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
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<td style="vertical-align:bottom;font-weight:bold;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
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<td style="vertical-align:top;padding:0;"> <p style="font-family:Trebuchet MS;font-weight:bold;margin-left:0.00em;text-align:left;text-indent:0.00em;font-size:8pt;margin-bottom:0pt;margin-top:0pt">Noninterest income, Underlying: </p> </td>
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<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-weight:bold;font-size:8pt;margin-bottom:0pt;margin-top:0pt"></p> </td>
<td style="vertical-align:bottom;font-weight:bold;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-weight:bold;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
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<td style="vertical-align:bottom;font-weight:bold;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-weight:bold;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
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<td style="vertical-align:bottom;font-weight:bold;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-weight:bold;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
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<td style="vertical-align:bottom;font-weight:bold;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-weight:bold;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
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<td style="vertical-align:bottom;font-weight:bold;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-weight:bold;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
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<td style="vertical-align:bottom;font-weight:bold;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-weight:bold;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
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<td style="vertical-align:bottom;font-weight:bold;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-weight:bold;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
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<td style="vertical-align:bottom;font-weight:bold;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-weight:bold;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-weight:bold;font-size:8pt;margin-bottom:0pt;margin-top:0pt"></p> </td>
<td style="vertical-align:bottom;font-weight:bold;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-weight:bold;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-weight:bold;font-size:8pt;margin-bottom:0pt;margin-top:0pt"></p> </td>
<td style="vertical-align:bottom;font-weight:bold;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-weight:bold;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-weight:bold;font-size:8pt;margin-bottom:0pt;margin-top:0pt"></p> </td>
<td style="vertical-align:bottom;font-weight:bold;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-weight:bold;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-weight:bold;font-size:8pt;margin-bottom:0pt;margin-top:0pt"></p> </td>
<td style="vertical-align:bottom;font-weight:bold;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td> </tr>
<tr style="page-break-inside:avoid;font-size:8pt;">
<td style="vertical-align:top;padding:0;"> <p style="font-family:Trebuchet MS;margin-left:0.00em;text-align:left;text-indent:0.00em;font-size:8pt;margin-bottom:0pt;margin-top:0pt">Noninterest income (GAAP) </p> </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">A </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">$494&#160;&#160;&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">$493&#160;&#160;&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">$421&#160;&#160;&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">$1&#160;&#160;&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">&#8212;&#160;%&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">$73&#160;&#160;&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">17&#160;%&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">$1,877&#160;&#160;&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">$1,596&#160;&#160;&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">$281&#160;&#160;&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">18&#160;% </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td> </tr>
<tr style="background-color:#cceeff;page-break-inside:avoid;font-size:8pt;">
<td style="vertical-align:top;padding:0;"> <p style="font-family:Trebuchet MS;margin-left:0.00em;text-align:left;text-indent:0.00em;font-size:8pt;margin-bottom:0pt;margin-top:0pt">Less: Notable items </p> </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt"></p> </td>
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<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">&#8212;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">&#8212;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">(5)&#160;&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">&#8212;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">&#8212;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">5&#160;&#160;&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">100&#160;&#160;&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">&#8212;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">(5)&#160;&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">5&#160;&#160;&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">100&#160;&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td> </tr>
<tr style="font-size:0pt;page-break-inside:avoid;">
<td style="vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;padding-right:2pt;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="border-bottom:1px solid #000000;vertical-align:bottom;">&#160;</td>
<td style="border-bottom:1px solid #000000;vertical-align:bottom;">&#160;</td>
<td style="padding-right:2pt;vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="border-bottom:1px solid #000000;vertical-align:bottom;">&#160;</td>
<td style="border-bottom:1px solid #000000;vertical-align:bottom;">&#160;</td>
<td style="padding-right:2pt;vertical-align:bottom;">&#160;</td>
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<td style="border-bottom:1px solid #000000;vertical-align:bottom;">&#160;</td>
<td style="border-bottom:1px solid #000000;vertical-align:bottom;">&#160;</td>
<td style="padding-right:2pt;vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="border-bottom:1px solid #000000;vertical-align:bottom;">&#160;</td>
<td style="border-bottom:1px solid #000000;vertical-align:bottom;">&#160;</td>
<td style="padding-right:2pt;vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;padding-right:2pt;">&#160;</td>
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<td style="border-bottom:1px solid #000000;vertical-align:bottom;">&#160;</td>
<td style="border-bottom:1px solid #000000;vertical-align:bottom;">&#160;</td>
<td style="padding-right:2pt;vertical-align:bottom;">&#160;</td>
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<td style="vertical-align:bottom;padding-right:2pt;">&#160;</td>
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<td style="border-bottom:1px solid #000000;vertical-align:bottom;">&#160;</td>
<td style="border-bottom:1px solid #000000;vertical-align:bottom;">&#160;</td>
<td style="padding-right:2pt;vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="border-bottom:1px solid #000000;vertical-align:bottom;">&#160;</td>
<td style="border-bottom:1px solid #000000;vertical-align:bottom;">&#160;</td>
<td style="padding-right:2pt;vertical-align:bottom;">&#160;</td>
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<td style="border-bottom:1px solid #000000;vertical-align:bottom;">&#160;</td>
<td style="border-bottom:1px solid #000000;vertical-align:bottom;">&#160;</td>
<td style="padding-right:2pt;vertical-align:bottom;">&#160;</td>
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<td style="vertical-align:bottom;padding-right:2pt;">&#160;</td> </tr>
<tr style="page-break-inside:avoid;font-size:8pt;">
<td style="vertical-align:top;padding:0;"> <p style="font-family:Trebuchet MS;margin-left:0.00em;text-align:left;text-indent:0.00em;font-size:8pt;margin-bottom:0pt;margin-top:0pt">Noninterest income, Underlying <span style="white-space:nowrap">(non-GAAP) </span></p> </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">B </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">$494&#160;&#160;&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">$493&#160;&#160;&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">$426&#160;&#160;&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">$1&#160;&#160;&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">&#8212;&#160;%&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">$68&#160;&#160;&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">16&#160;%&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">$1,877&#160;&#160;&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">$1,601&#160;&#160;&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">$276&#160;&#160;&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">17&#160;% </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td> </tr>
<tr style="font-size:0pt;page-break-inside:avoid;">
<td style="vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;padding-right:2pt;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="border-bottom:3px double #000000;vertical-align:bottom;">&#160;</td>
<td style="border-bottom:3px double #000000;vertical-align:bottom;">&#160;</td>
<td style="padding-right:2pt;vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="border-bottom:3px double #000000;vertical-align:bottom;">&#160;</td>
<td style="border-bottom:3px double #000000;vertical-align:bottom;">&#160;</td>
<td style="padding-right:2pt;vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="border-bottom:3px double #000000;vertical-align:bottom;">&#160;</td>
<td style="border-bottom:3px double #000000;vertical-align:bottom;">&#160;</td>
<td style="padding-right:2pt;vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="border-bottom:3px double #000000;vertical-align:bottom;">&#160;</td>
<td style="border-bottom:3px double #000000;vertical-align:bottom;">&#160;</td>
<td style="padding-right:2pt;vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;padding-right:2pt;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="border-bottom:3px double #000000;vertical-align:bottom;">&#160;</td>
<td style="border-bottom:3px double #000000;vertical-align:bottom;">&#160;</td>
<td style="padding-right:2pt;vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;padding-right:2pt;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="border-bottom:3px double #000000;vertical-align:bottom;">&#160;</td>
<td style="border-bottom:3px double #000000;vertical-align:bottom;">&#160;</td>
<td style="padding-right:2pt;vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="border-bottom:3px double #000000;vertical-align:bottom;">&#160;</td>
<td style="border-bottom:3px double #000000;vertical-align:bottom;">&#160;</td>
<td style="padding-right:2pt;vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="border-bottom:3px double #000000;vertical-align:bottom;">&#160;</td>
<td style="border-bottom:3px double #000000;vertical-align:bottom;">&#160;</td>
<td style="padding-right:2pt;vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;padding-right:2pt;">&#160;</td> </tr>
<tr style="background-color:#cceeff;page-break-inside:avoid;font-size:8pt;">
<td style="vertical-align:top;padding:0;"> <p style="font-family:Trebuchet MS;font-weight:bold;margin-left:0.00em;text-align:left;text-indent:0.00em;font-size:8pt;margin-bottom:0pt;margin-top:0pt">Total revenue, Underlying: </p> </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-weight:bold;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-weight:bold;font-size:8pt;margin-bottom:0pt;margin-top:0pt"></p> </td>
<td style="vertical-align:bottom;font-weight:bold;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-weight:bold;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-weight:bold;font-size:8pt;margin-bottom:0pt;margin-top:0pt"></p> </td>
<td style="vertical-align:bottom;font-weight:bold;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-weight:bold;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-weight:bold;font-size:8pt;margin-bottom:0pt;margin-top:0pt"></p> </td>
<td style="vertical-align:bottom;font-weight:bold;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-weight:bold;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-weight:bold;font-size:8pt;margin-bottom:0pt;margin-top:0pt"></p> </td>
<td style="vertical-align:bottom;font-weight:bold;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-weight:bold;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-weight:bold;font-size:8pt;margin-bottom:0pt;margin-top:0pt"></p> </td>
<td style="vertical-align:bottom;font-weight:bold;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-weight:bold;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-weight:bold;font-size:8pt;margin-bottom:0pt;margin-top:0pt"></p> </td>
<td style="vertical-align:bottom;font-weight:bold;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-weight:bold;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-weight:bold;font-size:8pt;margin-bottom:0pt;margin-top:0pt"></p> </td>
<td style="vertical-align:bottom;font-weight:bold;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-weight:bold;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-weight:bold;font-size:8pt;margin-bottom:0pt;margin-top:0pt"></p> </td>
<td style="vertical-align:bottom;font-weight:bold;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-weight:bold;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-weight:bold;font-size:8pt;margin-bottom:0pt;margin-top:0pt"></p> </td>
<td style="vertical-align:bottom;font-weight:bold;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-weight:bold;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-weight:bold;font-size:8pt;margin-bottom:0pt;margin-top:0pt"></p> </td>
<td style="vertical-align:bottom;font-weight:bold;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-weight:bold;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-weight:bold;font-size:8pt;margin-bottom:0pt;margin-top:0pt"></p> </td>
<td style="vertical-align:bottom;font-weight:bold;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-weight:bold;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-weight:bold;font-size:8pt;margin-bottom:0pt;margin-top:0pt"></p> </td>
<td style="vertical-align:bottom;font-weight:bold;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td> </tr>
<tr style="page-break-inside:avoid;font-size:8pt;">
<td style="vertical-align:top;padding:0;"> <p style="font-family:Trebuchet MS;margin-left:0.00em;text-align:left;text-indent:0.00em;font-size:8pt;margin-bottom:0pt;margin-top:0pt">Total revenue (GAAP) </p> </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">C </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">$1,637&#160;&#160;&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">$1,638&#160;&#160;&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">$1,593&#160;&#160;&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">($1)&#160;&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">&#8212;&#160;%&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">$44&#160;&#160;&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">3&#160;%&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">$6,491&#160;&#160;&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">$6,128&#160;&#160;&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">$363&#160;&#160;&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">6&#160;% </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td> </tr>
<tr style="background-color:#cceeff;page-break-inside:avoid;font-size:8pt;">
<td style="vertical-align:top;padding:0;"> <p style="font-family:Trebuchet MS;margin-left:0.00em;text-align:left;text-indent:0.00em;font-size:8pt;margin-bottom:0pt;margin-top:0pt">Less: Notable items </p> </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt"></p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">&#8212;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">&#8212;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">(5)&#160;&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">&#8212;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">&#8212;&#160;</p> </td>
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<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">5&#160;&#160;&#160;&#160;</p> </td>
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<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">100&#160;&#160;&#160;&#160;</p> </td>
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<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">5&#160;&#160;&#160;&#160;</p> </td>
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<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">100&#160;&#160;&#160;</p> </td>
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<td style="vertical-align:top;padding:0;"> <p style="font-family:Trebuchet MS;margin-left:0.00em;text-align:left;text-indent:0.00em;font-size:8pt;margin-bottom:0pt;margin-top:0pt">Total revenue, Underlying <span style="white-space:nowrap">(non-GAAP) </span></p> </td>
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<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">D </p> </td>
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<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">$1,637&#160;&#160;&#160;&#160;</p> </td>
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<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">$1,638&#160;&#160;&#160;&#160;</p> </td>
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<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">$1,598&#160;&#160;&#160;&#160;</p> </td>
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<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">($1)&#160;&#160;&#160;</p> </td>
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<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">&#8212;&#160;%&#160;</p> </td>
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<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">$39&#160;&#160;&#160;&#160;</p> </td>
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<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">2&#160;%&#160;</p> </td>
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<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">$6,491&#160;&#160;&#160;&#160;</p> </td>
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<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">$6,133&#160;&#160;&#160;&#160;</p> </td>
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<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">$358&#160;&#160;&#160;&#160;</p> </td>
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<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">6&#160;% </p> </td>
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<td style="vertical-align:top;padding:0;"> <p style="font-family:Trebuchet MS;font-weight:bold;margin-left:0.00em;text-align:left;text-indent:0.00em;font-size:8pt;margin-bottom:0pt;margin-top:0pt">Noninterest expense, Underlying: </p> </td>
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<td style="vertical-align:bottom;font-family:Trebuchet MS;font-weight:bold;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-weight:bold;font-size:8pt;margin-bottom:0pt;margin-top:0pt"></p> </td>
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<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-weight:bold;font-size:8pt;margin-bottom:0pt;margin-top:0pt"></p> </td>
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<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-weight:bold;font-size:8pt;margin-bottom:0pt;margin-top:0pt"></p> </td>
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<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-weight:bold;font-size:8pt;margin-bottom:0pt;margin-top:0pt"></p> </td>
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<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-weight:bold;font-size:8pt;margin-bottom:0pt;margin-top:0pt"></p> </td>
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<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-weight:bold;font-size:8pt;margin-bottom:0pt;margin-top:0pt"></p> </td>
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<td style="vertical-align:top;padding:0;"> <p style="font-family:Trebuchet MS;margin-left:0.00em;text-align:left;text-indent:0.00em;font-size:8pt;margin-bottom:0pt;margin-top:0pt">Noninterest expense (GAAP) </p> </td>
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<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">E </p> </td>
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<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">$986&#160;&#160;&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">$973&#160;&#160;&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">$951&#160;&#160;&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">$13&#160;&#160;&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">1&#160;%&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">$35&#160;&#160;&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">4&#160;%&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">$3,847&#160;&#160;&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">$3,619&#160;&#160;&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">$228&#160;&#160;&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">6&#160;% </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td> </tr>
<tr style="background-color:#cceeff;page-break-inside:avoid;font-size:8pt;">
<td style="vertical-align:top;padding:0;"> <p style="font-family:Trebuchet MS;margin-left:0.00em;text-align:left;text-indent:0.00em;font-size:8pt;margin-bottom:0pt;margin-top:0pt">Less: Notable items </p> </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt"></p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">37&#160;&#160;&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">19&#160;&#160;&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">45&#160;&#160;&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">18&#160;&#160;&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">95&#160;&#160;&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">(8)&#160;&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">(18)&#160;&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">68&#160;&#160;&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">54&#160;&#160;&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">14&#160;&#160;&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">26&#160;&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td> </tr>
<tr style="font-size:0pt;page-break-inside:avoid;">
<td style="vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;padding-right:2pt;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="border-bottom:1px solid #000000;vertical-align:bottom;">&#160;</td>
<td style="border-bottom:1px solid #000000;vertical-align:bottom;">&#160;</td>
<td style="padding-right:2pt;vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="border-bottom:1px solid #000000;vertical-align:bottom;">&#160;</td>
<td style="border-bottom:1px solid #000000;vertical-align:bottom;">&#160;</td>
<td style="padding-right:2pt;vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="border-bottom:1px solid #000000;vertical-align:bottom;">&#160;</td>
<td style="border-bottom:1px solid #000000;vertical-align:bottom;">&#160;</td>
<td style="padding-right:2pt;vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="border-bottom:1px solid #000000;vertical-align:bottom;">&#160;</td>
<td style="border-bottom:1px solid #000000;vertical-align:bottom;">&#160;</td>
<td style="padding-right:2pt;vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;padding-right:2pt;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="border-bottom:1px solid #000000;vertical-align:bottom;">&#160;</td>
<td style="border-bottom:1px solid #000000;vertical-align:bottom;">&#160;</td>
<td style="padding-right:2pt;vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;padding-right:2pt;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="border-bottom:1px solid #000000;vertical-align:bottom;">&#160;</td>
<td style="border-bottom:1px solid #000000;vertical-align:bottom;">&#160;</td>
<td style="padding-right:2pt;vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="border-bottom:1px solid #000000;vertical-align:bottom;">&#160;</td>
<td style="border-bottom:1px solid #000000;vertical-align:bottom;">&#160;</td>
<td style="padding-right:2pt;vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="border-bottom:1px solid #000000;vertical-align:bottom;">&#160;</td>
<td style="border-bottom:1px solid #000000;vertical-align:bottom;">&#160;</td>
<td style="padding-right:2pt;vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;padding-right:2pt;">&#160;</td> </tr>
<tr style="page-break-inside:avoid;font-size:8pt;">
<td style="vertical-align:top;padding:0;"> <p style="font-family:Trebuchet MS;margin-left:0.00em;text-align:left;text-indent:0.00em;font-size:8pt;margin-bottom:0pt;margin-top:0pt">Noninterest expense, Underlying <span style="white-space:nowrap">(non-GAAP) </span></p> </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">F </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">$949&#160;&#160;&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">$954&#160;&#160;&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">$906&#160;&#160;&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">($5)&#160;&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">(1%)&#160;&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">$43&#160;&#160;&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">5&#160;%&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">$3,779&#160;&#160;&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">$3,565&#160;&#160;&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">$214&#160;&#160;&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">6&#160;% </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td> </tr>
<tr style="font-size:0pt;page-break-inside:avoid;">
<td style="vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;padding-right:2pt;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="border-bottom:3px double #000000;vertical-align:bottom;">&#160;</td>
<td style="border-bottom:3px double #000000;vertical-align:bottom;">&#160;</td>
<td style="padding-right:2pt;vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="border-bottom:3px double #000000;vertical-align:bottom;">&#160;</td>
<td style="border-bottom:3px double #000000;vertical-align:bottom;">&#160;</td>
<td style="padding-right:2pt;vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="border-bottom:3px double #000000;vertical-align:bottom;">&#160;</td>
<td style="border-bottom:3px double #000000;vertical-align:bottom;">&#160;</td>
<td style="padding-right:2pt;vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="border-bottom:3px double #000000;vertical-align:bottom;">&#160;</td>
<td style="border-bottom:3px double #000000;vertical-align:bottom;">&#160;</td>
<td style="padding-right:2pt;vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;padding-right:2pt;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="border-bottom:3px double #000000;vertical-align:bottom;">&#160;</td>
<td style="border-bottom:3px double #000000;vertical-align:bottom;">&#160;</td>
<td style="padding-right:2pt;vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;padding-right:2pt;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="border-bottom:3px double #000000;vertical-align:bottom;">&#160;</td>
<td style="border-bottom:3px double #000000;vertical-align:bottom;">&#160;</td>
<td style="padding-right:2pt;vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="border-bottom:3px double #000000;vertical-align:bottom;">&#160;</td>
<td style="border-bottom:3px double #000000;vertical-align:bottom;">&#160;</td>
<td style="padding-right:2pt;vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="border-bottom:3px double #000000;vertical-align:bottom;">&#160;</td>
<td style="border-bottom:3px double #000000;vertical-align:bottom;">&#160;</td>
<td style="padding-right:2pt;vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;padding-right:2pt;">&#160;</td> </tr>
<tr style="background-color:#cceeff;page-break-inside:avoid;font-size:8pt;">
<td style="vertical-align:top;padding:0;"> <p style="font-family:Trebuchet MS;font-weight:bold;margin-left:0.00em;text-align:left;text-indent:0.00em;font-size:8pt;margin-bottom:0pt;margin-top:0pt"> <span style="white-space:nowrap">Pre-provision</span> profit: </p> </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-weight:bold;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-weight:bold;font-size:8pt;margin-bottom:0pt;margin-top:0pt"></p> </td>
<td style="vertical-align:bottom;font-weight:bold;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-weight:bold;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-weight:bold;font-size:8pt;margin-bottom:0pt;margin-top:0pt"></p> </td>
<td style="vertical-align:bottom;font-weight:bold;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-weight:bold;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-weight:bold;font-size:8pt;margin-bottom:0pt;margin-top:0pt"></p> </td>
<td style="vertical-align:bottom;font-weight:bold;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-weight:bold;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-weight:bold;font-size:8pt;margin-bottom:0pt;margin-top:0pt"></p> </td>
<td style="vertical-align:bottom;font-weight:bold;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-weight:bold;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-weight:bold;font-size:8pt;margin-bottom:0pt;margin-top:0pt"></p> </td>
<td style="vertical-align:bottom;font-weight:bold;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-weight:bold;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-weight:bold;font-size:8pt;margin-bottom:0pt;margin-top:0pt"></p> </td>
<td style="vertical-align:bottom;font-weight:bold;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-weight:bold;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-weight:bold;font-size:8pt;margin-bottom:0pt;margin-top:0pt"></p> </td>
<td style="vertical-align:bottom;font-weight:bold;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-weight:bold;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-weight:bold;font-size:8pt;margin-bottom:0pt;margin-top:0pt"></p> </td>
<td style="vertical-align:bottom;font-weight:bold;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-weight:bold;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-weight:bold;font-size:8pt;margin-bottom:0pt;margin-top:0pt"></p> </td>
<td style="vertical-align:bottom;font-weight:bold;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-weight:bold;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-weight:bold;font-size:8pt;margin-bottom:0pt;margin-top:0pt"></p> </td>
<td style="vertical-align:bottom;font-weight:bold;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-weight:bold;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-weight:bold;font-size:8pt;margin-bottom:0pt;margin-top:0pt"></p> </td>
<td style="vertical-align:bottom;font-weight:bold;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-weight:bold;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-weight:bold;font-size:8pt;margin-bottom:0pt;margin-top:0pt"></p> </td>
<td style="vertical-align:bottom;font-weight:bold;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td> </tr>
<tr style="page-break-inside:avoid;font-size:8pt;">
<td style="vertical-align:top;padding:0;"> <p style="font-family:Trebuchet MS;margin-left:0.00em;text-align:left;text-indent:0.00em;font-size:8pt;margin-bottom:0pt;margin-top:0pt">Total revenue (GAAP) </p> </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">C </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">$1,637&#160;&#160;&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">$1,638&#160;&#160;&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">$1,593&#160;&#160;&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">($1)&#160;&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">&#8212;&#160;%&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">$44&#160;&#160;&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">3&#160;%&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">$6,491&#160;&#160;&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">$6,128&#160;&#160;&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">$363&#160;&#160;&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">6&#160;% </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td> </tr>
<tr style="background-color:#cceeff;page-break-inside:avoid;font-size:8pt;">
<td style="vertical-align:top;padding:0;"> <p style="font-family:Trebuchet MS;margin-left:0.00em;text-align:left;text-indent:0.00em;font-size:8pt;margin-bottom:0pt;margin-top:0pt">Less: Noninterest expense (GAAP) </p> </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">E </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">986&#160;&#160;&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">973&#160;&#160;&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">951&#160;&#160;&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">13&#160;&#160;&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">1&#160;&#160;&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">35&#160;&#160;&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">4&#160;&#160;&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">3,847&#160;&#160;&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">3,619&#160;&#160;&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">228&#160;&#160;&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">6&#160;&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td> </tr>
<tr style="font-size:0pt;page-break-inside:avoid;">
<td style="vertical-align:bottom;">&#160;</td>
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<td style="vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;padding-right:2pt;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="border-bottom:1px solid #000000;vertical-align:bottom;">&#160;</td>
<td style="border-bottom:1px solid #000000;vertical-align:bottom;">&#160;</td>
<td style="padding-right:2pt;vertical-align:bottom;">&#160;</td>
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<td style="border-bottom:1px solid #000000;vertical-align:bottom;">&#160;</td>
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<td style="padding-right:2pt;vertical-align:bottom;">&#160;</td>
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<td style="border-bottom:1px solid #000000;vertical-align:bottom;">&#160;</td>
<td style="border-bottom:1px solid #000000;vertical-align:bottom;">&#160;</td>
<td style="padding-right:2pt;vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="border-bottom:1px solid #000000;vertical-align:bottom;">&#160;</td>
<td style="border-bottom:1px solid #000000;vertical-align:bottom;">&#160;</td>
<td style="padding-right:2pt;vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
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<td style="vertical-align:bottom;padding-right:2pt;">&#160;</td>
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<td style="border-bottom:1px solid #000000;vertical-align:bottom;">&#160;</td>
<td style="border-bottom:1px solid #000000;vertical-align:bottom;">&#160;</td>
<td style="padding-right:2pt;vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
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<td style="vertical-align:bottom;padding-right:2pt;">&#160;</td>
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<td style="border-bottom:1px solid #000000;vertical-align:bottom;">&#160;</td>
<td style="border-bottom:1px solid #000000;vertical-align:bottom;">&#160;</td>
<td style="padding-right:2pt;vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="border-bottom:1px solid #000000;vertical-align:bottom;">&#160;</td>
<td style="border-bottom:1px solid #000000;vertical-align:bottom;">&#160;</td>
<td style="padding-right:2pt;vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="border-bottom:1px solid #000000;vertical-align:bottom;">&#160;</td>
<td style="border-bottom:1px solid #000000;vertical-align:bottom;">&#160;</td>
<td style="padding-right:2pt;vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;padding-right:2pt;">&#160;</td> </tr>
<tr style="page-break-inside:avoid;font-size:8pt;">
<td style="vertical-align:top;padding:0;"> <p style="font-family:Trebuchet MS;margin-left:0.00em;text-align:left;text-indent:0.00em;font-size:8pt;margin-bottom:0pt;margin-top:0pt"> <span style="white-space:nowrap">Pre-provision</span> profit (GAAP) </p> </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt"></p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">$651&#160;&#160;&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">$665&#160;&#160;&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">$642&#160;&#160;&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">($14)&#160;&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">(2%)&#160;&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">$9&#160;&#160;&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">1&#160;%&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">$2,644&#160;&#160;&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">$2,509&#160;&#160;&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">$135&#160;&#160;&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">5&#160;% </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td> </tr>
<tr style="font-size:0pt;page-break-inside:avoid;">
<td style="vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;padding-right:2pt;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="border-bottom:3px double #000000;vertical-align:bottom;">&#160;</td>
<td style="border-bottom:3px double #000000;vertical-align:bottom;">&#160;</td>
<td style="padding-right:2pt;vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="border-bottom:3px double #000000;vertical-align:bottom;">&#160;</td>
<td style="border-bottom:3px double #000000;vertical-align:bottom;">&#160;</td>
<td style="padding-right:2pt;vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="border-bottom:3px double #000000;vertical-align:bottom;">&#160;</td>
<td style="border-bottom:3px double #000000;vertical-align:bottom;">&#160;</td>
<td style="padding-right:2pt;vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="border-bottom:3px double #000000;vertical-align:bottom;">&#160;</td>
<td style="border-bottom:3px double #000000;vertical-align:bottom;">&#160;</td>
<td style="padding-right:2pt;vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;padding-right:2pt;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="border-bottom:3px double #000000;vertical-align:bottom;">&#160;</td>
<td style="border-bottom:3px double #000000;vertical-align:bottom;">&#160;</td>
<td style="padding-right:2pt;vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;padding-right:2pt;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="border-bottom:3px double #000000;vertical-align:bottom;">&#160;</td>
<td style="border-bottom:3px double #000000;vertical-align:bottom;">&#160;</td>
<td style="padding-right:2pt;vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="border-bottom:3px double #000000;vertical-align:bottom;">&#160;</td>
<td style="border-bottom:3px double #000000;vertical-align:bottom;">&#160;</td>
<td style="padding-right:2pt;vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="border-bottom:3px double #000000;vertical-align:bottom;">&#160;</td>
<td style="border-bottom:3px double #000000;vertical-align:bottom;">&#160;</td>
<td style="padding-right:2pt;vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;padding-right:2pt;">&#160;</td> </tr>
<tr style="background-color:#cceeff;page-break-inside:avoid;font-size:8pt;">
<td style="vertical-align:top;padding:0;"> <p style="font-family:Trebuchet MS;font-weight:bold;margin-left:0.00em;text-align:left;text-indent:0.00em;font-size:8pt;margin-bottom:0pt;margin-top:0pt"> <span style="white-space:nowrap">Pre-provision</span> profit, Underlying: </p> </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-weight:bold;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-weight:bold;font-size:8pt;margin-bottom:0pt;margin-top:0pt"></p> </td>
<td style="vertical-align:bottom;font-weight:bold;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-weight:bold;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-weight:bold;font-size:8pt;margin-bottom:0pt;margin-top:0pt"></p> </td>
<td style="vertical-align:bottom;font-weight:bold;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-weight:bold;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-weight:bold;font-size:8pt;margin-bottom:0pt;margin-top:0pt"></p> </td>
<td style="vertical-align:bottom;font-weight:bold;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-weight:bold;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-weight:bold;font-size:8pt;margin-bottom:0pt;margin-top:0pt"></p> </td>
<td style="vertical-align:bottom;font-weight:bold;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-weight:bold;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-weight:bold;font-size:8pt;margin-bottom:0pt;margin-top:0pt"></p> </td>
<td style="vertical-align:bottom;font-weight:bold;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-weight:bold;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-weight:bold;font-size:8pt;margin-bottom:0pt;margin-top:0pt"></p> </td>
<td style="vertical-align:bottom;font-weight:bold;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-weight:bold;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-weight:bold;font-size:8pt;margin-bottom:0pt;margin-top:0pt"></p> </td>
<td style="vertical-align:bottom;font-weight:bold;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-weight:bold;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-weight:bold;font-size:8pt;margin-bottom:0pt;margin-top:0pt"></p> </td>
<td style="vertical-align:bottom;font-weight:bold;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-weight:bold;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-weight:bold;font-size:8pt;margin-bottom:0pt;margin-top:0pt"></p> </td>
<td style="vertical-align:bottom;font-weight:bold;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-weight:bold;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-weight:bold;font-size:8pt;margin-bottom:0pt;margin-top:0pt"></p> </td>
<td style="vertical-align:bottom;font-weight:bold;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-weight:bold;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-weight:bold;font-size:8pt;margin-bottom:0pt;margin-top:0pt"></p> </td>
<td style="vertical-align:bottom;font-weight:bold;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-weight:bold;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-weight:bold;font-size:8pt;margin-bottom:0pt;margin-top:0pt"></p> </td>
<td style="vertical-align:bottom;font-weight:bold;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td> </tr>
<tr style="page-break-inside:avoid;font-size:8pt;">
<td style="vertical-align:top;padding:0;"> <p style="font-family:Trebuchet MS;margin-left:0.00em;text-align:left;text-indent:0.00em;font-size:8pt;margin-bottom:0pt;margin-top:0pt">Total revenue, Underlying <span style="white-space:nowrap">(non-GAAP) </span></p> </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">D </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">$1,637&#160;&#160;&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">$1,638&#160;&#160;&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">$1,598&#160;&#160;&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">($1)&#160;&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">&#8212;&#160;%&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">$39&#160;&#160;&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">2&#160;%&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">$6,491&#160;&#160;&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">$6,133&#160;&#160;&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">$358&#160;&#160;&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">6&#160;% </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td> </tr>
<tr style="background-color:#cceeff;page-break-inside:avoid;font-size:8pt;">
<td style="vertical-align:top;padding:0;"> <p style="font-family:Trebuchet MS;margin-left:0.00em;text-align:left;text-indent:0.00em;font-size:8pt;margin-bottom:0pt;margin-top:0pt">Less: Noninterest expense, Underlying <span style="white-space:nowrap">(non-GAAP) </span></p> </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">F </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">949&#160;&#160;&#160;&#160;</p> </td>
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<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">43&#160;&#160;&#160;&#160;</p> </td>
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<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">3,779&#160;&#160;&#160;&#160;</p> </td>
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<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">3,565&#160;&#160;&#160;&#160;</p> </td>
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<td style="vertical-align:top;padding:0;"> <p style="font-family:Trebuchet MS;margin-left:0.00em;text-align:left;text-indent:0.00em;font-size:8pt;margin-bottom:0pt;margin-top:0pt"> <span style="white-space:nowrap">Pre-provision</span> profit, Underlying <span style="white-space:nowrap">(non-GAAP) </span></p> </td>
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<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">$688&#160;&#160;&#160;&#160;</p> </td>
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<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">$684&#160;&#160;&#160;&#160;</p> </td>
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<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">$692&#160;&#160;&#160;&#160;</p> </td>
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<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">$4&#160;&#160;&#160;&#160;</p> </td>
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<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">1&#160;%&#160;</p> </td>
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<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">($4)&#160;&#160;&#160;</p> </td>
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<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">(1%)&#160;&#160;&#160;</p> </td>
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<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">$2,712&#160;&#160;&#160;&#160;</p> </td>
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<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">$2,568&#160;&#160;&#160;&#160;</p> </td>
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<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">$144&#160;&#160;&#160;&#160;</p> </td>
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<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">6&#160;% </p> </td>
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<td style="vertical-align:bottom;font-family:Trebuchet MS;font-weight:bold;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
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<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-weight:bold;font-size:8pt;margin-bottom:0pt;margin-top:0pt"></p> </td>
<td style="vertical-align:bottom;font-weight:bold;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-weight:bold;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-weight:bold;font-size:8pt;margin-bottom:0pt;margin-top:0pt"></p> </td>
<td style="vertical-align:bottom;font-weight:bold;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-weight:bold;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-weight:bold;font-size:8pt;margin-bottom:0pt;margin-top:0pt"></p> </td>
<td style="vertical-align:bottom;font-weight:bold;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td> </tr>
<tr style="page-break-inside:avoid;font-size:8pt;">
<td style="vertical-align:top;padding:0;"> <p style="font-family:Trebuchet MS;margin-left:0.00em;text-align:left;text-indent:0.00em;font-size:8pt;margin-bottom:0pt;margin-top:0pt">Income before income tax expense (GAAP) </p> </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">G </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">$541&#160;&#160;&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">$564&#160;&#160;&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">$557&#160;&#160;&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">($23)&#160;&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">(4%)&#160;&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">($16)&#160;&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">(3%)&#160;&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">$2,251&#160;&#160;&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">$2,183&#160;&#160;&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">$68&#160;&#160;&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">3&#160;% </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td> </tr>
<tr style="background-color:#cceeff;page-break-inside:avoid;font-size:8pt;">
<td style="vertical-align:top;padding:0;"> <p style="font-family:Trebuchet MS;margin-left:0.00em;text-align:left;text-indent:0.00em;font-size:8pt;margin-bottom:0pt;margin-top:0pt">Less: Income (expense) before income tax expense (benefit) related to notable items </p> </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt"></p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">(37)&#160;&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">(19)&#160;&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">(50)&#160;&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">(18)&#160;&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">(95)&#160;&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">13&#160;&#160;&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">26&#160;&#160;&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">(68)&#160;&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">(59)&#160;&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">(9)&#160;&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">(15)&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td> </tr>
<tr style="font-size:0pt;page-break-inside:avoid;">
<td style="vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;padding-right:2pt;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="border-bottom:1px solid #000000;vertical-align:bottom;">&#160;</td>
<td style="border-bottom:1px solid #000000;vertical-align:bottom;">&#160;</td>
<td style="padding-right:2pt;vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="border-bottom:1px solid #000000;vertical-align:bottom;">&#160;</td>
<td style="border-bottom:1px solid #000000;vertical-align:bottom;">&#160;</td>
<td style="padding-right:2pt;vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="border-bottom:1px solid #000000;vertical-align:bottom;">&#160;</td>
<td style="border-bottom:1px solid #000000;vertical-align:bottom;">&#160;</td>
<td style="padding-right:2pt;vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="border-bottom:1px solid #000000;vertical-align:bottom;">&#160;</td>
<td style="border-bottom:1px solid #000000;vertical-align:bottom;">&#160;</td>
<td style="padding-right:2pt;vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;padding-right:2pt;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="border-bottom:1px solid #000000;vertical-align:bottom;">&#160;</td>
<td style="border-bottom:1px solid #000000;vertical-align:bottom;">&#160;</td>
<td style="padding-right:2pt;vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;padding-right:2pt;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="border-bottom:1px solid #000000;vertical-align:bottom;">&#160;</td>
<td style="border-bottom:1px solid #000000;vertical-align:bottom;">&#160;</td>
<td style="padding-right:2pt;vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="border-bottom:1px solid #000000;vertical-align:bottom;">&#160;</td>
<td style="border-bottom:1px solid #000000;vertical-align:bottom;">&#160;</td>
<td style="padding-right:2pt;vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="border-bottom:1px solid #000000;vertical-align:bottom;">&#160;</td>
<td style="border-bottom:1px solid #000000;vertical-align:bottom;">&#160;</td>
<td style="padding-right:2pt;vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;padding-right:2pt;">&#160;</td> </tr>
<tr style="page-break-inside:avoid;font-size:8pt;">
<td style="vertical-align:top;padding:0;"> <p style="font-family:Trebuchet MS;margin-left:0.00em;text-align:left;text-indent:0.00em;font-size:8pt;margin-bottom:0pt;margin-top:0pt">Income before income tax expense, Underlying <span style="white-space:nowrap">(non-GAAP) </span></p> </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">H </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">$578&#160;&#160;&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">$583&#160;&#160;&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">$607&#160;&#160;&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">($5)&#160;&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">(1%)&#160;&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">($29)&#160;&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">(5%)&#160;&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">$2,319&#160;&#160;&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">$2,242&#160;&#160;&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">$77&#160;&#160;&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">3&#160;% </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td> </tr>
<tr style="font-size:0pt;page-break-inside:avoid;">
<td style="vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
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<td style="vertical-align:top;padding:0;"> <p style="font-family:Trebuchet MS;font-weight:bold;margin-left:0.00em;text-align:left;text-indent:0.00em;font-size:8pt;margin-bottom:0pt;margin-top:0pt">Income tax expense, Underlying: </p> </td>
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<td style="vertical-align:top;padding:0;"> <p style="font-family:Trebuchet MS;margin-left:0.00em;text-align:left;text-indent:0.00em;font-size:8pt;margin-bottom:0pt;margin-top:0pt">Income tax expense (benefit) (GAAP) </p> </td>
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<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">I </p> </td>
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<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">$91&#160;&#160;&#160;&#160;</p> </td>
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<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">$115&#160;&#160;&#160;&#160;</p> </td>
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<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">$92&#160;&#160;&#160;&#160;</p> </td>
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<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">($24)&#160;&#160;&#160;</p> </td>
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<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">(21%)&#160;&#160;&#160;</p> </td>
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<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">($1)&#160;&#160;&#160;</p> </td>
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<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">(1%)&#160;&#160;&#160;</p> </td>
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<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">$460&#160;&#160;&#160;</p> </td>
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<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">$462&#160;&#160;&#160;</p> </td>
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<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">($2)&#160;&#160;&#160;</p> </td>
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<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">&#8212;&#160;% </p> </td>
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<td style="vertical-align:top;padding:0;"> <p style="font-family:Trebuchet MS;margin-left:0.00em;text-align:left;text-indent:0.00em;font-size:8pt;margin-bottom:0pt;margin-top:0pt">Less: Income tax expense (benefit) related to notable items </p> </td>
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<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">(33)&#160;&#160;&#160;</p> </td>
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<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">(15)&#160;&#160;&#160;</p> </td>
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<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">(41)&#160;&#160;&#160;</p> </td>
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<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">(18)&#160;&#160;&#160;</p> </td>
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<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">(120)&#160;&#160;&#160;</p> </td>
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<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">8&#160;&#160;&#160;&#160;</p> </td>
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<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">20&#160;&#160;&#160;&#160;</p> </td>
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<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">(51)&#160;&#160;&#160;</p> </td>
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<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">(43)&#160;&#160;&#160;</p> </td>
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<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">(8)&#160;&#160;&#160;</p> </td>
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<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">(19)&#160;&#160;&#160;</p> </td>
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<td style="vertical-align:bottom;padding-right:2pt;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="border-bottom:1px solid #000000;vertical-align:bottom;">&#160;</td>
<td style="border-bottom:1px solid #000000;vertical-align:bottom;">&#160;</td>
<td style="padding-right:2pt;vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;padding-right:2pt;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="border-bottom:1px solid #000000;vertical-align:bottom;">&#160;</td>
<td style="border-bottom:1px solid #000000;vertical-align:bottom;">&#160;</td>
<td style="padding-right:2pt;vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="border-bottom:1px solid #000000;vertical-align:bottom;">&#160;</td>
<td style="border-bottom:1px solid #000000;vertical-align:bottom;">&#160;</td>
<td style="padding-right:2pt;vertical-align:bottom;">&#160;</td>
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<td style="border-bottom:1px solid #000000;vertical-align:bottom;">&#160;</td>
<td style="border-bottom:1px solid #000000;vertical-align:bottom;">&#160;</td>
<td style="padding-right:2pt;vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;padding-right:2pt;">&#160;</td> </tr>
<tr style="page-break-inside:avoid;font-size:8pt;">
<td style="vertical-align:top;padding:0;"> <p style="font-family:Trebuchet MS;margin-left:0.00em;text-align:left;text-indent:0.00em;font-size:8pt;margin-bottom:0pt;margin-top:0pt">Income tax expense, Underlying <span style="white-space:nowrap">(non-GAAP) </span></p> </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">J </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">$124&#160;&#160;&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">$130&#160;&#160;&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">$133&#160;&#160;&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">($6)&#160;&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">(5%)&#160;&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">($9)&#160;&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">(7%)&#160;&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">$511&#160;&#160;&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">$505&#160;&#160;&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">$6&#160;&#160;&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">1&#160;% </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td> </tr>
<tr style="font-size:0pt;page-break-inside:avoid;">
<td style="vertical-align:bottom;">&#160;</td>
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<td style="vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;padding-right:2pt;">&#160;</td>
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<td style="border-bottom:3px double #000000;vertical-align:bottom;">&#160;</td>
<td style="border-bottom:3px double #000000;vertical-align:bottom;">&#160;</td>
<td style="padding-right:2pt;vertical-align:bottom;">&#160;</td>
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<td style="border-bottom:3px double #000000;vertical-align:bottom;">&#160;</td>
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<td style="padding-right:2pt;vertical-align:bottom;">&#160;</td>
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<td style="border-bottom:3px double #000000;vertical-align:bottom;">&#160;</td>
<td style="border-bottom:3px double #000000;vertical-align:bottom;">&#160;</td>
<td style="padding-right:2pt;vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="border-bottom:3px double #000000;vertical-align:bottom;">&#160;</td>
<td style="border-bottom:3px double #000000;vertical-align:bottom;">&#160;</td>
<td style="padding-right:2pt;vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
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<td style="vertical-align:bottom;padding-right:2pt;">&#160;</td>
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<td style="border-bottom:3px double #000000;vertical-align:bottom;">&#160;</td>
<td style="border-bottom:3px double #000000;vertical-align:bottom;">&#160;</td>
<td style="padding-right:2pt;vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;padding-right:2pt;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="border-bottom:3px double #000000;vertical-align:bottom;">&#160;</td>
<td style="border-bottom:3px double #000000;vertical-align:bottom;">&#160;</td>
<td style="padding-right:2pt;vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="border-bottom:3px double #000000;vertical-align:bottom;">&#160;</td>
<td style="border-bottom:3px double #000000;vertical-align:bottom;">&#160;</td>
<td style="padding-right:2pt;vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="border-bottom:3px double #000000;vertical-align:bottom;">&#160;</td>
<td style="border-bottom:3px double #000000;vertical-align:bottom;">&#160;</td>
<td style="padding-right:2pt;vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;padding-right:2pt;">&#160;</td> </tr>
<tr style="background-color:#cceeff;page-break-inside:avoid;font-size:8pt;">
<td style="vertical-align:top;padding:0;"> <p style="font-family:Trebuchet MS;font-weight:bold;margin-left:0.00em;text-align:left;text-indent:0.00em;font-size:8pt;margin-bottom:0pt;margin-top:0pt">Net income, Underlying: </p> </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-weight:bold;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-weight:bold;font-size:8pt;margin-bottom:0pt;margin-top:0pt"></p> </td>
<td style="vertical-align:bottom;font-weight:bold;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-weight:bold;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-weight:bold;font-size:8pt;margin-bottom:0pt;margin-top:0pt"></p> </td>
<td style="vertical-align:bottom;font-weight:bold;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-weight:bold;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-weight:bold;font-size:8pt;margin-bottom:0pt;margin-top:0pt"></p> </td>
<td style="vertical-align:bottom;font-weight:bold;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-weight:bold;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-weight:bold;font-size:8pt;margin-bottom:0pt;margin-top:0pt"></p> </td>
<td style="vertical-align:bottom;font-weight:bold;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-weight:bold;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-weight:bold;font-size:8pt;margin-bottom:0pt;margin-top:0pt"></p> </td>
<td style="vertical-align:bottom;font-weight:bold;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-weight:bold;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-weight:bold;font-size:8pt;margin-bottom:0pt;margin-top:0pt"></p> </td>
<td style="vertical-align:bottom;font-weight:bold;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-weight:bold;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-weight:bold;font-size:8pt;margin-bottom:0pt;margin-top:0pt"></p> </td>
<td style="vertical-align:bottom;font-weight:bold;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-weight:bold;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-weight:bold;font-size:8pt;margin-bottom:0pt;margin-top:0pt"></p> </td>
<td style="vertical-align:bottom;font-weight:bold;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-weight:bold;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-weight:bold;font-size:8pt;margin-bottom:0pt;margin-top:0pt"></p> </td>
<td style="vertical-align:bottom;font-weight:bold;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-weight:bold;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-weight:bold;font-size:8pt;margin-bottom:0pt;margin-top:0pt"></p> </td>
<td style="vertical-align:bottom;font-weight:bold;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-weight:bold;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-weight:bold;font-size:8pt;margin-bottom:0pt;margin-top:0pt"></p> </td>
<td style="vertical-align:bottom;font-weight:bold;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-weight:bold;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-weight:bold;font-size:8pt;margin-bottom:0pt;margin-top:0pt"></p> </td>
<td style="vertical-align:bottom;font-weight:bold;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td> </tr>
<tr style="page-break-inside:avoid;font-size:8pt;">
<td style="vertical-align:top;padding:0;"> <p style="font-family:Trebuchet MS;margin-left:0.00em;text-align:left;text-indent:0.00em;font-size:8pt;margin-bottom:0pt;margin-top:0pt">Net income (GAAP) </p> </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">K </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">$450&#160;&#160;&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">$449&#160;&#160;&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">$465&#160;&#160;&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">$1&#160;&#160;&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">&#8212;&#160;%&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">($15)&#160;&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">(3%)&#160;&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">$1,791&#160;&#160;&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">$1,721&#160;&#160;&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">$70&#160;&#160;&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">4&#160;% </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td> </tr>
<tr style="background-color:#cceeff;page-break-inside:avoid;font-size:8pt;">
<td style="vertical-align:top;padding:0;"> <p style="font-family:Trebuchet MS;margin-left:0.00em;text-align:left;text-indent:0.00em;font-size:8pt;margin-bottom:0pt;margin-top:0pt">Add: Notable items, net of income tax expense (benefit) </p> </td>
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<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt"></p> </td>
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<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">4&#160;&#160;&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
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<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">4&#160;&#160;&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
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<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">9&#160;&#160;&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
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<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">&#8212;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
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<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">&#8212;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
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<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">(5)&#160;&#160;&#160;</p> </td>
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<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">(56)&#160;&#160;&#160;</p> </td>
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<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">17&#160;&#160;&#160;&#160;</p> </td>
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<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">16&#160;&#160;&#160;&#160;</p> </td>
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<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">1&#160;&#160;&#160;&#160;</p> </td>
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<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">6&#160;&#160;&#160;</p> </td>
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<td style="padding-right:2pt;vertical-align:bottom;">&#160;</td>
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<td style="vertical-align:bottom;padding-right:2pt;">&#160;</td>
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<td style="border-bottom:1px solid #000000;vertical-align:bottom;">&#160;</td>
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<td style="padding-right:2pt;vertical-align:bottom;">&#160;</td>
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<td style="vertical-align:bottom;padding-right:2pt;">&#160;</td>
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<td style="border-bottom:1px solid #000000;vertical-align:bottom;">&#160;</td>
<td style="border-bottom:1px solid #000000;vertical-align:bottom;">&#160;</td>
<td style="padding-right:2pt;vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="border-bottom:1px solid #000000;vertical-align:bottom;">&#160;</td>
<td style="border-bottom:1px solid #000000;vertical-align:bottom;">&#160;</td>
<td style="padding-right:2pt;vertical-align:bottom;">&#160;</td>
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<td style="border-bottom:1px solid #000000;vertical-align:bottom;">&#160;</td>
<td style="border-bottom:1px solid #000000;vertical-align:bottom;">&#160;</td>
<td style="padding-right:2pt;vertical-align:bottom;">&#160;</td>
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<td style="vertical-align:bottom;padding-right:2pt;">&#160;</td> </tr>
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<td style="vertical-align:top;padding:0;"> <p style="font-family:Trebuchet MS;margin-left:0.00em;text-align:left;text-indent:0.00em;font-size:8pt;margin-bottom:0pt;margin-top:0pt">Net income, Underlying <span style="white-space:nowrap">(non-GAAP) </span></p> </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">L </p> </td>
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<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">$454&#160;&#160;&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">$453&#160;&#160;&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">$474&#160;&#160;&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">$1&#160;&#160;&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">&#8212;&#160;%&#160;</p> </td>
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<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">($20)&#160;&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">(4%)&#160;&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">$1,808&#160;&#160;&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">$1,737&#160;&#160;&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">$71&#160;&#160;&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
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<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">4&#160;% </p> </td>
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<tr style="font-size:0pt;page-break-inside:avoid;">
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<td style="border-bottom:3px double #000000;vertical-align:bottom;">&#160;</td>
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<td style="padding-right:2pt;vertical-align:bottom;">&#160;</td>
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<td style="vertical-align:bottom;padding-right:2pt;">&#160;</td>
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<td style="border-bottom:3px double #000000;vertical-align:bottom;">&#160;</td>
<td style="border-bottom:3px double #000000;vertical-align:bottom;">&#160;</td>
<td style="padding-right:2pt;vertical-align:bottom;">&#160;</td>
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<td style="border-bottom:3px double #000000;vertical-align:bottom;">&#160;</td>
<td style="border-bottom:3px double #000000;vertical-align:bottom;">&#160;</td>
<td style="padding-right:2pt;vertical-align:bottom;">&#160;</td>
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<td style="border-bottom:3px double #000000;vertical-align:bottom;">&#160;</td>
<td style="border-bottom:3px double #000000;vertical-align:bottom;">&#160;</td>
<td style="padding-right:2pt;vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
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<td style="vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;padding-right:2pt;">&#160;</td> </tr>
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<td style="vertical-align:top;padding:0;"> <p style="font-family:Trebuchet MS;font-weight:bold;margin-left:0.00em;text-align:left;text-indent:0.00em;font-size:8pt;margin-bottom:0pt;margin-top:0pt">Net income available to common stockholders, Underlying: </p> </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-weight:bold;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-weight:bold;font-size:8pt;margin-bottom:0pt;margin-top:0pt"></p> </td>
<td style="vertical-align:bottom;font-weight:bold;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
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<td style="vertical-align:bottom;font-family:Trebuchet MS;font-weight:bold;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-weight:bold;font-size:8pt;margin-bottom:0pt;margin-top:0pt"></p> </td>
<td style="vertical-align:bottom;font-weight:bold;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-weight:bold;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-weight:bold;font-size:8pt;margin-bottom:0pt;margin-top:0pt"></p> </td>
<td style="vertical-align:bottom;font-weight:bold;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-weight:bold;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-weight:bold;font-size:8pt;margin-bottom:0pt;margin-top:0pt"></p> </td>
<td style="vertical-align:bottom;font-weight:bold;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
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<td style="vertical-align:bottom;font-family:Trebuchet MS;font-weight:bold;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-weight:bold;font-size:8pt;margin-bottom:0pt;margin-top:0pt"></p> </td>
<td style="vertical-align:bottom;font-weight:bold;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-weight:bold;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-weight:bold;font-size:8pt;margin-bottom:0pt;margin-top:0pt"></p> </td>
<td style="vertical-align:bottom;font-weight:bold;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-weight:bold;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-weight:bold;font-size:8pt;margin-bottom:0pt;margin-top:0pt"></p> </td>
<td style="vertical-align:bottom;font-weight:bold;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-weight:bold;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-weight:bold;font-size:8pt;margin-bottom:0pt;margin-top:0pt"></p> </td>
<td style="vertical-align:bottom;font-weight:bold;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-weight:bold;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-weight:bold;font-size:8pt;margin-bottom:0pt;margin-top:0pt"></p> </td>
<td style="vertical-align:bottom;font-weight:bold;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-weight:bold;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-weight:bold;font-size:8pt;margin-bottom:0pt;margin-top:0pt"></p> </td>
<td style="vertical-align:bottom;font-weight:bold;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-weight:bold;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-weight:bold;font-size:8pt;margin-bottom:0pt;margin-top:0pt"></p> </td>
<td style="vertical-align:bottom;font-weight:bold;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-weight:bold;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-weight:bold;font-size:8pt;margin-bottom:0pt;margin-top:0pt"></p> </td>
<td style="vertical-align:bottom;font-weight:bold;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td> </tr>
<tr style="page-break-inside:avoid;font-size:8pt;">
<td style="vertical-align:top;padding:0;"> <p style="font-family:Trebuchet MS;margin-left:0.00em;text-align:left;text-indent:0.00em;font-size:8pt;margin-bottom:0pt;margin-top:0pt">Net income available to common stockholders (GAAP) </p> </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">M </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">$427&#160;&#160;&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">$432&#160;&#160;&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">$450&#160;&#160;&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">($5)&#160;&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">(1%)&#160;&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">($23)&#160;&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">(5%)&#160;&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">$1,718&#160;&#160;&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">$1,692&#160;&#160;&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">$26&#160;&#160;&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">2&#160;% </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td> </tr>
<tr style="background-color:#cceeff;page-break-inside:avoid;font-size:8pt;">
<td style="vertical-align:top;padding:0;"> <p style="font-family:Trebuchet MS;margin-left:0.00em;text-align:left;text-indent:0.00em;font-size:8pt;margin-bottom:0pt;margin-top:0pt">Add: Notable items, net of income tax expense (benefit) </p> </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt"></p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">4&#160;&#160;&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">4&#160;&#160;&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">9&#160;&#160;&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">&#8212;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">&#8212;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">(5)&#160;&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">(56)&#160;&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">17&#160;&#160;&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">16&#160;&#160;&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">1&#160;&#160;&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">6&#160;&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td> </tr>
<tr style="font-size:0pt;page-break-inside:avoid;">
<td style="vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;padding-right:2pt;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="border-bottom:1px solid #000000;vertical-align:bottom;">&#160;</td>
<td style="border-bottom:1px solid #000000;vertical-align:bottom;">&#160;</td>
<td style="padding-right:2pt;vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="border-bottom:1px solid #000000;vertical-align:bottom;">&#160;</td>
<td style="border-bottom:1px solid #000000;vertical-align:bottom;">&#160;</td>
<td style="padding-right:2pt;vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="border-bottom:1px solid #000000;vertical-align:bottom;">&#160;</td>
<td style="border-bottom:1px solid #000000;vertical-align:bottom;">&#160;</td>
<td style="padding-right:2pt;vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="border-bottom:1px solid #000000;vertical-align:bottom;">&#160;</td>
<td style="border-bottom:1px solid #000000;vertical-align:bottom;">&#160;</td>
<td style="padding-right:2pt;vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;padding-right:2pt;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="border-bottom:1px solid #000000;vertical-align:bottom;">&#160;</td>
<td style="border-bottom:1px solid #000000;vertical-align:bottom;">&#160;</td>
<td style="padding-right:2pt;vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;padding-right:2pt;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="border-bottom:1px solid #000000;vertical-align:bottom;">&#160;</td>
<td style="border-bottom:1px solid #000000;vertical-align:bottom;">&#160;</td>
<td style="padding-right:2pt;vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="border-bottom:1px solid #000000;vertical-align:bottom;">&#160;</td>
<td style="border-bottom:1px solid #000000;vertical-align:bottom;">&#160;</td>
<td style="padding-right:2pt;vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="border-bottom:1px solid #000000;vertical-align:bottom;">&#160;</td>
<td style="border-bottom:1px solid #000000;vertical-align:bottom;">&#160;</td>
<td style="padding-right:2pt;vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;padding-right:2pt;">&#160;</td> </tr>
<tr style="page-break-inside:avoid;font-size:8pt;">
<td style="vertical-align:top;padding:0;"> <p style="font-family:Trebuchet MS;margin-left:0.00em;text-align:left;text-indent:0.00em;font-size:8pt;margin-bottom:0pt;margin-top:0pt">Net income available to common stockholders, Underlying <span style="white-space:nowrap">(non-GAAP) </span></p> </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">N </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">$431&#160;&#160;&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">$436&#160;&#160;&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">$459&#160;&#160;&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">($5)&#160;&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">(1%)&#160;&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">($28)&#160;&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">(6%)&#160;&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">$1,735&#160;&#160;&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">$1,708&#160;&#160;&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">$27&#160;&#160;&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">2&#160;% </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td> </tr>
<tr style="font-size:0pt;page-break-inside:avoid;">
<td style="vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;padding-right:2pt;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="border-bottom:3px double #000000;vertical-align:bottom;">&#160;</td>
<td style="border-bottom:3px double #000000;vertical-align:bottom;">&#160;</td>
<td style="padding-right:2pt;vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="border-bottom:3px double #000000;vertical-align:bottom;">&#160;</td>
<td style="border-bottom:3px double #000000;vertical-align:bottom;">&#160;</td>
<td style="padding-right:2pt;vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="border-bottom:3px double #000000;vertical-align:bottom;">&#160;</td>
<td style="border-bottom:3px double #000000;vertical-align:bottom;">&#160;</td>
<td style="padding-right:2pt;vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="border-bottom:3px double #000000;vertical-align:bottom;">&#160;</td>
<td style="border-bottom:3px double #000000;vertical-align:bottom;">&#160;</td>
<td style="padding-right:2pt;vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;padding-right:2pt;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="border-bottom:3px double #000000;vertical-align:bottom;">&#160;</td>
<td style="border-bottom:3px double #000000;vertical-align:bottom;">&#160;</td>
<td style="padding-right:2pt;vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;padding-right:2pt;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="border-bottom:3px double #000000;vertical-align:bottom;">&#160;</td>
<td style="border-bottom:3px double #000000;vertical-align:bottom;">&#160;</td>
<td style="padding-right:2pt;vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="border-bottom:3px double #000000;vertical-align:bottom;">&#160;</td>
<td style="border-bottom:3px double #000000;vertical-align:bottom;">&#160;</td>
<td style="padding-right:2pt;vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="border-bottom:3px double #000000;vertical-align:bottom;">&#160;</td>
<td style="border-bottom:3px double #000000;vertical-align:bottom;">&#160;</td>
<td style="padding-right:2pt;vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;padding-right:2pt;">&#160;</td> </tr> </table> <div></div> <p style="margin-top:1em;margin-bottom:0em"></p>
 <div style="width:100%"> <p style="font-family:Trebuchet MS;text-align:center;font-size:10pt;margin-bottom:0pt;margin-top:0pt">22</p> <div></div> </div>

 </div>



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 <div style="font-size:10pt;width:100%"> <p style="font-family:Trebuchet MS;text-align:justify;font-size:10pt;margin-bottom:0pt;margin-top:0pt"></p> <div></div> <p style="margin-top:1em;margin-bottom:0em"></p> <p style="font-family:Trebuchet MS;font-weight:bold;text-align:left;font-size:8pt;margin-bottom:0pt;margin-top:0pt">Key performance metrics, <span style="white-space:nowrap">non-GAAP</span> financial measures and reconciliations (continued) </p> <p style="font-family:Trebuchet MS;text-align:justify;font-size:8pt;margin-bottom:0pt;margin-top:0pt">(in millions, except share, <span style="white-space:nowrap">per-share</span> and ratio data </p> <div></div> <p style="margin-top:1em;margin-bottom:0em"></p>
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<td style="vertical-align:bottom;"> <p style="font-family:Trebuchet MS;font-weight:bold;margin-left:0.00em;text-align:center;text-indent:0.00em;font-size:7pt;margin-bottom:0pt;margin-top:0pt"></p> </td>
<td style="vertical-align:bottom;">&#160;</td>
<td colspan="2" style="vertical-align:bottom;"> <p style="font-family:Trebuchet MS;font-weight:bold;text-align:center;font-size:7pt;margin-bottom:0pt;margin-top:0pt"></p> </td>
<td style="vertical-align:bottom;font-weight:bold;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td colspan="26" style="border-bottom:1pt solid #000000;vertical-align:bottom;"> <p style="font-family:Trebuchet MS;font-weight:bold;text-align:center;font-size:7pt;margin-bottom:0pt;margin-top:0pt"> <span style="font-weight:Bold;font-style:normal">QUARTERLY TRENDS</span>&#32;<span style="font-weight:Bold;font-style:normal"></span></p> </td>
<td>&#160;</td>
<td>&#160;</td>
<td colspan="14" style="border-bottom:1pt solid #000000;vertical-align:bottom;"> <p style="font-family:Trebuchet MS;font-weight:bold;text-align:center;font-size:7pt;margin-bottom:0pt;margin-top:0pt"> <span style="font-weight:Bold;font-style:normal">FULL YEAR</span> </p> </td>
<td>&#160;</td> </tr>
<tr style="page-break-inside:avoid;font-size:7pt;">
<td style="vertical-align:bottom;"> <p style="font-family:Trebuchet MS;font-weight:bold;margin-left:0.00em;text-align:center;text-indent:0.00em;font-size:7pt;margin-bottom:0pt;margin-top:0pt"></p> </td>
<td style="vertical-align:bottom;">&#160;</td>
<td colspan="2" style="vertical-align:bottom;"> <p style="font-family:Trebuchet MS;font-weight:bold;text-align:center;font-size:7pt;margin-bottom:0pt;margin-top:0pt"></p> </td>
<td style="vertical-align:bottom;font-weight:bold;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td colspan="2" style="vertical-align:bottom;"> <p style="font-family:Trebuchet MS;font-weight:bold;text-align:center;font-size:7pt;margin-bottom:0pt;margin-top:0pt"></p> </td>
<td style="vertical-align:bottom;font-weight:bold;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td colspan="2" style="vertical-align:bottom;"> <p style="font-family:Trebuchet MS;font-weight:bold;text-align:center;font-size:7pt;margin-bottom:0pt;margin-top:0pt"></p> </td>
<td style="vertical-align:bottom;font-weight:bold;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td colspan="2" style="vertical-align:bottom;"> <p style="font-family:Trebuchet MS;font-weight:bold;text-align:center;font-size:7pt;margin-bottom:0pt;margin-top:0pt"></p> </td>
<td style="vertical-align:bottom;font-weight:bold;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td colspan="14" style="border-bottom:1pt solid #000000;vertical-align:bottom;"> <p style="font-family:Trebuchet MS;font-weight:bold;text-align:center;font-size:7pt;margin-bottom:0pt;margin-top:0pt"> <span style="font-weight:Bold;font-style:normal">4Q19 Change</span> </p> </td>
<td>&#160;</td>
<td>&#160;</td>
<td colspan="2" style="vertical-align:bottom;"> <p style="font-family:Trebuchet MS;font-weight:bold;text-align:center;font-size:7pt;margin-bottom:0pt;margin-top:0pt"></p> </td>
<td style="vertical-align:bottom;font-weight:bold;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td colspan="2" style="vertical-align:bottom;"> <p style="font-family:Trebuchet MS;font-weight:bold;text-align:center;font-size:7pt;margin-bottom:0pt;margin-top:0pt"></p> </td>
<td style="vertical-align:bottom;font-weight:bold;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td colspan="6" style="border-bottom:1pt solid #000000;vertical-align:bottom;"> <p style="font-family:Trebuchet MS;font-weight:bold;text-align:center;font-size:7pt;margin-bottom:0pt;margin-top:0pt"> <span style="font-weight:Bold;font-style:normal">2019 Change</span> </p> </td>
<td>&#160;</td> </tr>
<tr style="page-break-inside:avoid;font-size:7pt;">
<td style="vertical-align:bottom;"> <p style="font-family:Trebuchet MS;font-weight:bold;margin-left:0.00em;text-align:center;text-indent:0.00em;font-size:7pt;margin-bottom:0pt;margin-top:0pt"></p> </td>
<td style="vertical-align:bottom;">&#160;</td>
<td colspan="2" style="vertical-align:bottom;"> <p style="font-family:Trebuchet MS;font-weight:bold;text-align:center;font-size:7pt;margin-bottom:0pt;margin-top:0pt"></p> </td>
<td style="vertical-align:bottom;font-weight:bold;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td colspan="2" style="border-bottom:1pt solid #000000;vertical-align:bottom;"> <p style="font-family:Trebuchet MS;font-weight:bold;text-align:center;font-size:7pt;margin-bottom:0pt;margin-top:0pt"> <span style="font-weight:Bold;font-style:normal">4Q19</span> </p> </td>
<td style="vertical-align:bottom;font-weight:bold;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td colspan="2" style="border-bottom:1pt solid #000000;vertical-align:bottom;"> <p style="font-family:Trebuchet MS;font-weight:bold;text-align:center;font-size:7pt;margin-bottom:0pt;margin-top:0pt"> <span style="font-weight:Bold;font-style:normal">3Q19</span> </p> </td>
<td style="vertical-align:bottom;font-weight:bold;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td colspan="2" style="border-bottom:1pt solid #000000;vertical-align:bottom;"> <p style="font-family:Trebuchet MS;font-weight:bold;text-align:center;font-size:7pt;margin-bottom:0pt;margin-top:0pt"> <span style="font-weight:Bold;font-style:normal">4Q18</span> </p> </td>
<td style="vertical-align:bottom;font-weight:bold;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td colspan="6" style="border-bottom:1pt solid #000000;vertical-align:bottom;"> <p style="font-family:Trebuchet MS;font-weight:bold;text-align:center;font-size:7pt;margin-bottom:0pt;margin-top:0pt"> <span style="font-weight:Bold;font-style:normal">3Q19</span> </p> </td>
<td>&#160;</td>
<td>&#160;</td>
<td colspan="6" style="border-bottom:1pt solid #000000;vertical-align:bottom;"> <p style="font-family:Trebuchet MS;font-weight:bold;text-align:center;font-size:7pt;margin-bottom:0pt;margin-top:0pt"> <span style="font-weight:Bold;font-style:normal">4Q18</span> </p> </td>
<td>&#160;</td>
<td>&#160;</td>
<td colspan="2" style="border-bottom:1pt solid #000000;vertical-align:bottom;"> <p style="font-family:Trebuchet MS;font-weight:bold;text-align:center;font-size:7pt;margin-bottom:0pt;margin-top:0pt"> <span style="font-weight:Bold;font-style:normal">2019</span> </p> </td>
<td style="vertical-align:bottom;font-weight:bold;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td colspan="2" style="border-bottom:1pt solid #000000;vertical-align:bottom;"> <p style="font-family:Trebuchet MS;font-weight:bold;text-align:center;font-size:7pt;margin-bottom:0pt;margin-top:0pt"> <span style="font-weight:Bold;font-style:normal">2018</span> </p> </td>
<td style="vertical-align:bottom;font-weight:bold;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td colspan="6" style="border-bottom:1pt solid #000000;vertical-align:bottom;"> <p style="font-family:Trebuchet MS;font-weight:bold;text-align:center;font-size:7pt;margin-bottom:0pt;margin-top:0pt"> <span style="font-weight:Bold;font-style:normal">2018</span> </p> </td>
<td>&#160;</td> </tr>
<tr style="page-break-inside:avoid;font-size:7pt;">
<td style="vertical-align:bottom;"> <p style="font-family:Trebuchet MS;font-weight:bold;margin-left:0.00em;text-align:center;text-indent:0.00em;font-size:7pt;margin-bottom:0pt;margin-top:0pt"></p> </td>
<td style="vertical-align:bottom;">&#160;</td>
<td colspan="2" style="vertical-align:bottom;"> <p style="font-family:Trebuchet MS;font-weight:bold;text-align:center;font-size:7pt;margin-bottom:0pt;margin-top:0pt"></p> </td>
<td style="vertical-align:bottom;font-weight:bold;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td colspan="2" style="vertical-align:bottom;"> <p style="font-family:Trebuchet MS;font-weight:bold;text-align:center;font-size:7pt;margin-bottom:0pt;margin-top:0pt"></p> </td>
<td style="vertical-align:bottom;font-weight:bold;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td colspan="2" style="vertical-align:bottom;"> <p style="font-family:Trebuchet MS;font-weight:bold;text-align:center;font-size:7pt;margin-bottom:0pt;margin-top:0pt"></p> </td>
<td style="vertical-align:bottom;font-weight:bold;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td colspan="2" style="vertical-align:bottom;"> <p style="font-family:Trebuchet MS;font-weight:bold;text-align:center;font-size:7pt;margin-bottom:0pt;margin-top:0pt"></p> </td>
<td style="vertical-align:bottom;font-weight:bold;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td colspan="2" style="border-bottom:1pt solid #000000;vertical-align:bottom;"> <p style="font-family:Trebuchet MS;font-weight:bold;text-align:center;font-size:7pt;margin-bottom:0pt;margin-top:0pt"> <span style="font-weight:Bold;font-style:normal">$/bps</span> </p> </td>
<td style="vertical-align:bottom;font-weight:bold;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td colspan="2" style="border-bottom:1pt solid #000000;vertical-align:bottom;"> <p style="font-family:Trebuchet MS;font-weight:bold;text-align:center;font-size:7pt;margin-bottom:0pt;margin-top:0pt"> <span style="font-weight:Bold;font-style:normal">%</span> </p> </td>
<td style="vertical-align:bottom;font-weight:bold;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td colspan="2" style="border-bottom:1pt solid #000000;vertical-align:bottom;"> <p style="font-family:Trebuchet MS;font-weight:bold;text-align:center;font-size:7pt;margin-bottom:0pt;margin-top:0pt"> <span style="font-weight:Bold;font-style:normal">$/bps</span> </p> </td>
<td style="vertical-align:bottom;font-weight:bold;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td colspan="2" style="border-bottom:1pt solid #000000;vertical-align:bottom;"> <p style="font-family:Trebuchet MS;font-weight:bold;text-align:center;font-size:7pt;margin-bottom:0pt;margin-top:0pt"> <span style="font-weight:Bold;font-style:normal">%</span> </p> </td>
<td style="vertical-align:bottom;font-weight:bold;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td colspan="2" style="vertical-align:bottom;"> <p style="font-family:Trebuchet MS;font-weight:bold;text-align:center;font-size:7pt;margin-bottom:0pt;margin-top:0pt"></p> </td>
<td style="vertical-align:bottom;font-weight:bold;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td colspan="2" style="vertical-align:bottom;"> <p style="font-family:Trebuchet MS;font-weight:bold;text-align:center;font-size:7pt;margin-bottom:0pt;margin-top:0pt"></p> </td>
<td style="vertical-align:bottom;font-weight:bold;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td colspan="2" style="border-bottom:1pt solid #000000;vertical-align:bottom;"> <p style="font-family:Trebuchet MS;font-weight:bold;text-align:center;font-size:7pt;margin-bottom:0pt;margin-top:0pt"> <span style="font-weight:Bold;font-style:normal">$/bps</span> </p> </td>
<td style="vertical-align:bottom;font-weight:bold;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td colspan="2" style="border-bottom:1pt solid #000000;vertical-align:bottom;"> <p style="font-family:Trebuchet MS;font-weight:bold;text-align:center;font-size:7pt;margin-bottom:0pt;margin-top:0pt"> <span style="font-weight:Bold;font-style:normal">%</span> </p> </td>
<td style="vertical-align:bottom;font-weight:bold;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td> </tr>
<tr style="background-color:#cceeff;page-break-inside:avoid;font-size:7pt;">
<td style="vertical-align:top;padding:0;"> <p style="font-family:Trebuchet MS;font-weight:bold;margin-left:0.00em;text-align:left;text-indent:0.00em;font-size:7pt;margin-bottom:0pt;margin-top:0pt"> <span style="font-weight:Bold;font-style:normal">Operating leverage:</span> </p> </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-weight:bold;font-size:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:center"> <p style="font-family:Trebuchet MS;font-weight:bold;font-size:7pt;margin-bottom:0pt;margin-top:0pt"></p> </td>
<td style="vertical-align:bottom;font-weight:bold;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-weight:bold;font-size:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-weight:bold;font-size:7pt;margin-bottom:0pt;margin-top:0pt"></p> </td>
<td style="vertical-align:bottom;font-weight:bold;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-weight:bold;font-size:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-weight:bold;font-size:7pt;margin-bottom:0pt;margin-top:0pt"></p> </td>
<td style="vertical-align:bottom;font-weight:bold;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-weight:bold;font-size:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-weight:bold;font-size:7pt;margin-bottom:0pt;margin-top:0pt"></p> </td>
<td style="vertical-align:bottom;font-weight:bold;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-weight:bold;font-size:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-weight:bold;font-size:7pt;margin-bottom:0pt;margin-top:0pt"></p> </td>
<td style="vertical-align:bottom;font-weight:bold;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-weight:bold;font-size:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-weight:bold;font-size:7pt;margin-bottom:0pt;margin-top:0pt"></p> </td>
<td style="vertical-align:bottom;font-weight:bold;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-weight:bold;font-size:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-weight:bold;font-size:7pt;margin-bottom:0pt;margin-top:0pt"></p> </td>
<td style="vertical-align:bottom;font-weight:bold;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-weight:bold;font-size:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-weight:bold;font-size:7pt;margin-bottom:0pt;margin-top:0pt"></p> </td>
<td style="vertical-align:bottom;font-weight:bold;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-weight:bold;font-size:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-weight:bold;font-size:7pt;margin-bottom:0pt;margin-top:0pt"></p> </td>
<td style="vertical-align:bottom;font-weight:bold;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-weight:bold;font-size:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-weight:bold;font-size:7pt;margin-bottom:0pt;margin-top:0pt"></p> </td>
<td style="vertical-align:bottom;font-weight:bold;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-weight:bold;font-size:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-weight:bold;font-size:7pt;margin-bottom:0pt;margin-top:0pt"></p> </td>
<td style="vertical-align:bottom;font-weight:bold;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-weight:bold;font-size:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-weight:bold;font-size:7pt;margin-bottom:0pt;margin-top:0pt"></p> </td>
<td style="vertical-align:bottom;font-weight:bold;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td> </tr>
<tr style="page-break-inside:avoid;font-size:7pt;">
<td style="vertical-align:top;padding:0;"> <p style="font-family:Trebuchet MS;margin-left:0.00em;text-align:left;text-indent:0.00em;font-size:7pt;margin-bottom:0pt;margin-top:0pt">Total revenue (GAAP) </p> </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:center"> <p style="font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt">C </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt">$1,637 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt">$1,638 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt">$1,593 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt">($1) </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt">(0.14%)&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt">$44 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt">2.73&#160;&#160;% </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt">$6,491 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt">$6,128 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt">$363 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt">5.91&#160;&#160;% </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td> </tr>
<tr style="background-color:#cceeff;page-break-inside:avoid;font-size:7pt;">
<td style="vertical-align:top;padding:0;"> <p style="font-family:Trebuchet MS;margin-left:0.00em;text-align:left;text-indent:0.00em;font-size:7pt;margin-bottom:0pt;margin-top:0pt">Less: Noninterest expense (GAAP) </p> </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:center"> <p style="font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt">E </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt">986 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt">973 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt">951 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt">13 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt">1.33&#160;&#160;&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt">35 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt">3.74&#160;&#160;&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt">3,847 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt">3,619 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt">228 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt">6.30&#160;&#160;&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td> </tr>
<tr style="font-size:0pt;page-break-inside:avoid;">
<td style="vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;padding-right:2pt;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;padding-right:2pt;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;padding-right:2pt;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;padding-right:2pt;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;padding-right:2pt;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="border-bottom:1px solid #000000;vertical-align:bottom;">&#160;</td>
<td style="border-bottom:1px solid #000000;vertical-align:bottom;">&#160;</td>
<td style="padding-right:2pt;vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;padding-right:2pt;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="border-bottom:1px solid #000000;vertical-align:bottom;">&#160;</td>
<td style="border-bottom:1px solid #000000;vertical-align:bottom;">&#160;</td>
<td style="padding-right:2pt;vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;padding-right:2pt;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;padding-right:2pt;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;padding-right:2pt;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="border-bottom:1px solid #000000;vertical-align:bottom;">&#160;</td>
<td style="border-bottom:1px solid #000000;vertical-align:bottom;">&#160;</td>
<td style="padding-right:2pt;vertical-align:bottom;">&#160;</td> </tr>
<tr style="page-break-inside:avoid;font-size:7pt;">
<td style="vertical-align:top;padding:0;"> <p style="font-family:Trebuchet MS;margin-left:0.00em;text-align:left;text-indent:0.00em;font-size:7pt;margin-bottom:0pt;margin-top:0pt">Operating leverage </p> </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:center"> <p style="font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt"></p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt"></p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt"></p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt"></p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt"></p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt">(1.47%)&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt"></p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt">(1.01%)&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt"></p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt"></p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt"></p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt">(0.39%)&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td> </tr>
<tr style="font-size:0pt;page-break-inside:avoid;">
<td style="vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;padding-right:2pt;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;padding-right:2pt;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;padding-right:2pt;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;padding-right:2pt;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;padding-right:2pt;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="border-bottom:3px double #000000;vertical-align:bottom;">&#160;</td>
<td style="border-bottom:3px double #000000;vertical-align:bottom;">&#160;</td>
<td style="padding-right:2pt;vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;padding-right:2pt;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="border-bottom:3px double #000000;vertical-align:bottom;">&#160;</td>
<td style="border-bottom:3px double #000000;vertical-align:bottom;">&#160;</td>
<td style="padding-right:2pt;vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;padding-right:2pt;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;padding-right:2pt;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;padding-right:2pt;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="border-bottom:3px double #000000;vertical-align:bottom;">&#160;</td>
<td style="border-bottom:3px double #000000;vertical-align:bottom;">&#160;</td>
<td style="padding-right:2pt;vertical-align:bottom;">&#160;</td> </tr>
<tr style="background-color:#cceeff;page-break-inside:avoid;font-size:7pt;">
<td style="vertical-align:top;padding:0;"> <p style="font-family:Trebuchet MS;font-weight:bold;margin-left:0.00em;text-align:left;text-indent:0.00em;font-size:7pt;margin-bottom:0pt;margin-top:0pt"> <span style="font-weight:Bold;font-style:normal">Operating leverage, Underlying:</span> </p> </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-weight:bold;font-size:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:center"> <p style="font-family:Trebuchet MS;font-weight:bold;font-size:7pt;margin-bottom:0pt;margin-top:0pt"></p> </td>
<td style="vertical-align:bottom;font-weight:bold;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-weight:bold;font-size:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-weight:bold;font-size:7pt;margin-bottom:0pt;margin-top:0pt"></p> </td>
<td style="vertical-align:bottom;font-weight:bold;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-weight:bold;font-size:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-weight:bold;font-size:7pt;margin-bottom:0pt;margin-top:0pt"></p> </td>
<td style="vertical-align:bottom;font-weight:bold;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-weight:bold;font-size:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-weight:bold;font-size:7pt;margin-bottom:0pt;margin-top:0pt"></p> </td>
<td style="vertical-align:bottom;font-weight:bold;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-weight:bold;font-size:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-weight:bold;font-size:7pt;margin-bottom:0pt;margin-top:0pt"></p> </td>
<td style="vertical-align:bottom;font-weight:bold;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-weight:bold;font-size:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-weight:bold;font-size:7pt;margin-bottom:0pt;margin-top:0pt"></p> </td>
<td style="vertical-align:bottom;font-weight:bold;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-weight:bold;font-size:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-weight:bold;font-size:7pt;margin-bottom:0pt;margin-top:0pt"></p> </td>
<td style="vertical-align:bottom;font-weight:bold;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-weight:bold;font-size:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-weight:bold;font-size:7pt;margin-bottom:0pt;margin-top:0pt"></p> </td>
<td style="vertical-align:bottom;font-weight:bold;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-weight:bold;font-size:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-weight:bold;font-size:7pt;margin-bottom:0pt;margin-top:0pt"></p> </td>
<td style="vertical-align:bottom;font-weight:bold;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-weight:bold;font-size:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-weight:bold;font-size:7pt;margin-bottom:0pt;margin-top:0pt"></p> </td>
<td style="vertical-align:bottom;font-weight:bold;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-weight:bold;font-size:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-weight:bold;font-size:7pt;margin-bottom:0pt;margin-top:0pt"></p> </td>
<td style="vertical-align:bottom;font-weight:bold;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-weight:bold;font-size:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-weight:bold;font-size:7pt;margin-bottom:0pt;margin-top:0pt"></p> </td>
<td style="vertical-align:bottom;font-weight:bold;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td> </tr>
<tr style="page-break-inside:avoid;font-size:7pt;">
<td style="vertical-align:top;padding:0;"> <p style="font-family:Trebuchet MS;margin-left:0.00em;text-align:left;text-indent:0.00em;font-size:7pt;margin-bottom:0pt;margin-top:0pt">Total revenue, Underlying (non-GAAP) </p> </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:center"> <p style="font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt">D </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt">$1,637 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt">$1,638 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt">$1,598 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt">($1) </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt">(0.14%)&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt">$39 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt">2.41&#160;&#160;% </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt">$6,491 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt">$6,133 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt">$358 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt">5.83&#160;&#160;% </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td> </tr>
<tr style="background-color:#cceeff;page-break-inside:avoid;font-size:7pt;">
<td style="vertical-align:top;padding:0;"> <p style="font-family:Trebuchet MS;margin-left:0.00em;text-align:left;text-indent:0.00em;font-size:7pt;margin-bottom:0pt;margin-top:0pt">Less: Noninterest expense, Underlying (non-GAAP) </p> </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:center"> <p style="font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt">F </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt">949 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt">954 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt">906 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt">(5) </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt">(0.49)&#160;&#160;&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt">43 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt">4.79&#160;&#160;&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt">3,779 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt">3,565 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt">214 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
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<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt">6.00&#160;&#160;&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td> </tr>
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<td style="vertical-align:top;padding:0;"> <p style="font-family:Trebuchet MS;margin-left:0.00em;text-align:left;text-indent:0.00em;font-size:7pt;margin-bottom:0pt;margin-top:0pt">Operating leverage, Underlying (non-GAAP) </p> </td>
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<td style="vertical-align:bottom;text-align:center"> <p style="font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt"></p> </td>
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<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt">0.35&#160;&#160;% </p> </td>
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<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt">(2.38%)&#160;</p> </td>
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<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt">(0.17%)&#160;</p> </td>
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<td style="vertical-align:top;padding:0;"> <p style="font-family:Trebuchet MS;font-weight:bold;margin-left:0.00em;text-align:left;text-indent:0.00em;font-size:7pt;margin-bottom:0pt;margin-top:0pt"> <span style="font-weight:Bold;font-style:normal">Efficiency ratio and efficiency ratio, Underlying:</span> </p> </td>
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<td style="vertical-align:bottom;font-family:Trebuchet MS;font-weight:bold;font-size:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:center"> <p style="font-family:Trebuchet MS;font-weight:bold;font-size:7pt;margin-bottom:0pt;margin-top:0pt"></p> </td>
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<td style="vertical-align:bottom;font-family:Trebuchet MS;font-weight:bold;font-size:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
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<td style="vertical-align:bottom;font-family:Trebuchet MS;font-weight:bold;font-size:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
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<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-weight:bold;font-size:7pt;margin-bottom:0pt;margin-top:0pt"></p> </td>
<td style="vertical-align:bottom;font-weight:bold;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
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<td style="vertical-align:bottom;font-family:Trebuchet MS;font-weight:bold;font-size:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-weight:bold;font-size:7pt;margin-bottom:0pt;margin-top:0pt"></p> </td>
<td style="vertical-align:bottom;font-weight:bold;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-weight:bold;font-size:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-weight:bold;font-size:7pt;margin-bottom:0pt;margin-top:0pt"></p> </td>
<td style="vertical-align:bottom;font-weight:bold;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
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<td style="vertical-align:bottom;font-family:Trebuchet MS;font-weight:bold;font-size:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-weight:bold;font-size:7pt;margin-bottom:0pt;margin-top:0pt"></p> </td>
<td style="vertical-align:bottom;font-weight:bold;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-weight:bold;font-size:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-weight:bold;font-size:7pt;margin-bottom:0pt;margin-top:0pt"></p> </td>
<td style="vertical-align:bottom;font-weight:bold;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-weight:bold;font-size:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-weight:bold;font-size:7pt;margin-bottom:0pt;margin-top:0pt"></p> </td>
<td style="vertical-align:bottom;font-weight:bold;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
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<td style="vertical-align:bottom;font-family:Trebuchet MS;font-weight:bold;font-size:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-weight:bold;font-size:7pt;margin-bottom:0pt;margin-top:0pt"></p> </td>
<td style="vertical-align:bottom;font-weight:bold;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-weight:bold;font-size:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-weight:bold;font-size:7pt;margin-bottom:0pt;margin-top:0pt"></p> </td>
<td style="vertical-align:bottom;font-weight:bold;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-weight:bold;font-size:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-weight:bold;font-size:7pt;margin-bottom:0pt;margin-top:0pt"></p> </td>
<td style="vertical-align:bottom;font-weight:bold;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td> </tr>
<tr style="page-break-inside:avoid;font-size:7pt;">
<td style="vertical-align:top;padding:0;"> <p style="font-family:Trebuchet MS;margin-left:0.00em;text-align:left;text-indent:0.00em;font-size:7pt;margin-bottom:0pt;margin-top:0pt">Efficiency ratio </p> </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:center"> <p style="font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt">E/C </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt">60.28</p> </td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">&#160;&#160;% </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt">59.40</p> </td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">&#160;&#160;% </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt">59.69</p> </td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">&#160;&#160;% </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt">88</p> </td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">&#32;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:justify"> <p style="font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt">bps </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt">59 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:justify"> <p style="font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt">bps </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt">59.28</p> </td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">&#160;&#160;% </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt">59.06</p> </td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">&#160;&#160;% </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt">22</p> </td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">&#32;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:justify"> <p style="font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt">bps </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td> </tr>
<tr style="background-color:#cceeff;page-break-inside:avoid;font-size:7pt;">
<td style="vertical-align:top;padding:0;"> <p style="font-family:Trebuchet MS;margin-left:0.00em;text-align:left;text-indent:0.00em;font-size:7pt;margin-bottom:0pt;margin-top:0pt">Efficiency ratio, Underlying (non-GAAP) </p> </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:center"> <p style="font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt">F/D </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt">58.02 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt">58.22 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt">56.70 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt">(20)</p> </td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">&#32;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:justify"> <p style="font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt">bps </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt">132 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:justify"> <p style="font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt">bps </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt">58.23 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt">58.13 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt">10</p> </td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">&#32;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:justify"> <p style="font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt">bps </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td> </tr>
<tr style="page-break-inside:avoid;font-size:7pt;">
<td style="vertical-align:top;padding:0;"> <p style="font-family:Trebuchet MS;font-weight:bold;margin-left:0.00em;text-align:left;text-indent:0.00em;font-size:7pt;margin-bottom:0pt;margin-top:0pt"> <span style="font-weight:Bold;font-style:normal">Effective income tax rate and effective income tax rate, Underlying:</span> </p> </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-weight:bold;font-size:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:center"> <p style="font-family:Trebuchet MS;font-weight:bold;font-size:7pt;margin-bottom:0pt;margin-top:0pt"></p> </td>
<td style="vertical-align:bottom;font-weight:bold;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-weight:bold;font-size:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-weight:bold;font-size:7pt;margin-bottom:0pt;margin-top:0pt"></p> </td>
<td style="vertical-align:bottom;font-weight:bold;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-weight:bold;font-size:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-weight:bold;font-size:7pt;margin-bottom:0pt;margin-top:0pt"></p> </td>
<td style="vertical-align:bottom;font-weight:bold;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-weight:bold;font-size:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-weight:bold;font-size:7pt;margin-bottom:0pt;margin-top:0pt"></p> </td>
<td style="vertical-align:bottom;font-weight:bold;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-weight:bold;font-size:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-weight:bold;font-size:7pt;margin-bottom:0pt;margin-top:0pt"></p> </td>
<td style="vertical-align:bottom;font-weight:bold;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-weight:bold;font-size:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-weight:bold;font-size:7pt;margin-bottom:0pt;margin-top:0pt"></p> </td>
<td style="vertical-align:bottom;font-weight:bold;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-weight:bold;font-size:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-weight:bold;font-size:7pt;margin-bottom:0pt;margin-top:0pt"></p> </td>
<td style="vertical-align:bottom;font-weight:bold;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-weight:bold;font-size:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-weight:bold;font-size:7pt;margin-bottom:0pt;margin-top:0pt"></p> </td>
<td style="vertical-align:bottom;font-weight:bold;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-weight:bold;font-size:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-weight:bold;font-size:7pt;margin-bottom:0pt;margin-top:0pt"></p> </td>
<td style="vertical-align:bottom;font-weight:bold;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-weight:bold;font-size:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-weight:bold;font-size:7pt;margin-bottom:0pt;margin-top:0pt"></p> </td>
<td style="vertical-align:bottom;font-weight:bold;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-weight:bold;font-size:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-weight:bold;font-size:7pt;margin-bottom:0pt;margin-top:0pt"></p> </td>
<td style="vertical-align:bottom;font-weight:bold;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-weight:bold;font-size:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-weight:bold;font-size:7pt;margin-bottom:0pt;margin-top:0pt"></p> </td>
<td style="vertical-align:bottom;font-weight:bold;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td> </tr>
<tr style="background-color:#cceeff;page-break-inside:avoid;font-size:7pt;">
<td style="vertical-align:top;padding:0;"> <p style="font-family:Trebuchet MS;margin-left:0.00em;text-align:left;text-indent:0.00em;font-size:7pt;margin-bottom:0pt;margin-top:0pt">Effective income tax rate </p> </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:center"> <p style="font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt">I/G </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt">16.76</p> </td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">&#160;&#160;% </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt">20.46</p> </td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">&#160;&#160;% </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt">16.45</p> </td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">&#160;&#160;% </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt">(370) </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:justify"> <p style="font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt">bps </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt">31 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:justify"> <p style="font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt">bps </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt">20.43</p> </td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">&#160;&#160;% </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt">21.16</p> </td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">&#160;&#160;% </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt">(73) </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:justify"> <p style="font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt">bps </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td> </tr>
<tr style="page-break-inside:avoid;font-size:7pt;">
<td style="vertical-align:top;padding:0;"> <p style="font-family:Trebuchet MS;margin-left:0.00em;text-align:left;text-indent:0.00em;font-size:7pt;margin-bottom:0pt;margin-top:0pt">Effective income tax rate, Underlying (non-GAAP) </p> </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:center"> <p style="font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt">J/H </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt">21.52 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt">22.29 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt">21.91 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt">(77) </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:justify"> <p style="font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt">bps </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt">(39) </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:justify"> <p style="font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt">bps </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt">22.03 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt">22.55 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt">(52) </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:justify"> <p style="font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt">bps </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td> </tr>
<tr style="background-color:#cceeff;page-break-inside:avoid;font-size:7pt;">
<td style="vertical-align:top;padding:0;"> <p style="font-family:Trebuchet MS;font-weight:bold;margin-left:0.00em;text-align:left;text-indent:0.00em;font-size:7pt;margin-bottom:0pt;margin-top:0pt"> <span style="font-weight:Bold;font-style:normal">Return on average common equity and return on average common equity, Underlying:</span> </p> </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-weight:bold;font-size:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:center"> <p style="font-family:Trebuchet MS;font-weight:bold;font-size:7pt;margin-bottom:0pt;margin-top:0pt"></p> </td>
<td style="vertical-align:bottom;font-weight:bold;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-weight:bold;font-size:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-weight:bold;font-size:7pt;margin-bottom:0pt;margin-top:0pt"></p> </td>
<td style="vertical-align:bottom;font-weight:bold;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-weight:bold;font-size:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-weight:bold;font-size:7pt;margin-bottom:0pt;margin-top:0pt"></p> </td>
<td style="vertical-align:bottom;font-weight:bold;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-weight:bold;font-size:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-weight:bold;font-size:7pt;margin-bottom:0pt;margin-top:0pt"></p> </td>
<td style="vertical-align:bottom;font-weight:bold;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-weight:bold;font-size:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-weight:bold;font-size:7pt;margin-bottom:0pt;margin-top:0pt"></p> </td>
<td style="vertical-align:bottom;font-weight:bold;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-weight:bold;font-size:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-weight:bold;font-size:7pt;margin-bottom:0pt;margin-top:0pt"></p> </td>
<td style="vertical-align:bottom;font-weight:bold;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-weight:bold;font-size:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-weight:bold;font-size:7pt;margin-bottom:0pt;margin-top:0pt"></p> </td>
<td style="vertical-align:bottom;font-weight:bold;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-weight:bold;font-size:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-weight:bold;font-size:7pt;margin-bottom:0pt;margin-top:0pt"></p> </td>
<td style="vertical-align:bottom;font-weight:bold;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-weight:bold;font-size:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-weight:bold;font-size:7pt;margin-bottom:0pt;margin-top:0pt"></p> </td>
<td style="vertical-align:bottom;font-weight:bold;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-weight:bold;font-size:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-weight:bold;font-size:7pt;margin-bottom:0pt;margin-top:0pt"></p> </td>
<td style="vertical-align:bottom;font-weight:bold;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-weight:bold;font-size:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-weight:bold;font-size:7pt;margin-bottom:0pt;margin-top:0pt"></p> </td>
<td style="vertical-align:bottom;font-weight:bold;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-weight:bold;font-size:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-weight:bold;font-size:7pt;margin-bottom:0pt;margin-top:0pt"></p> </td>
<td style="vertical-align:bottom;font-weight:bold;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td> </tr>
<tr style="page-break-inside:avoid;font-size:7pt;">
<td style="vertical-align:top;padding:0;"> <p style="font-family:Trebuchet MS;margin-left:0.00em;text-align:left;text-indent:0.00em;font-size:7pt;margin-bottom:0pt;margin-top:0pt">Average common equity (GAAP) </p> </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:center"> <p style="font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt">O </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt">$20,400 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt">$20,533 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt">$19,521 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt">($133) </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt">(1%) </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt">$879 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt">5% </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt">$20,325 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt">$19,645 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt">$680 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt">3% </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td> </tr>
<tr style="background-color:#cceeff;page-break-inside:avoid;font-size:7pt;">
<td style="vertical-align:top;padding:0;"> <p style="font-family:Trebuchet MS;margin-left:0.00em;text-align:left;text-indent:0.00em;font-size:7pt;margin-bottom:0pt;margin-top:0pt">Return on average common equity </p> </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:center"> <p style="font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt">M/O </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt">8.30</p> </td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">&#160;&#160;% </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt">8.35</p> </td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">&#160;&#160;% </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt">9.16</p> </td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">&#160;&#160;% </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt">(5) </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:justify"> <p style="font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt">bps </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt">(86) </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:justify"> <p style="font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt">bps </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt">8.45</p> </td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">&#160;&#160;% </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt">8.62</p> </td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">&#160;&#160;% </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt">(17) </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:justify"> <p style="font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt">bps </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td> </tr>
<tr style="page-break-inside:avoid;font-size:7pt;">
<td style="vertical-align:top;padding:0;"> <p style="font-family:Trebuchet MS;margin-left:0.00em;text-align:left;text-indent:0.00em;font-size:7pt;margin-bottom:0pt;margin-top:0pt">Return on average common equity, Underlying (non-GAAP) </p> </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:center"> <p style="font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt">N/O </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt">8.36 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt">8.45 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt">9.33 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt">(9) </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:justify"> <p style="font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt">bps </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt">(97) </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:justify"> <p style="font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt">bps </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt">8.53 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt">8.69 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt">(16) </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:justify"> <p style="font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt">bps </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td> </tr>
<tr style="background-color:#cceeff;page-break-inside:avoid;font-size:7pt;">
<td style="vertical-align:top;padding:0;"> <p style="font-family:Trebuchet MS;font-weight:bold;margin-left:0.00em;text-align:left;text-indent:0.00em;font-size:7pt;margin-bottom:0pt;margin-top:0pt"> <span style="font-weight:Bold;font-style:normal">Return on average tangible common equity and return on average tangible common equity, Underlying:</span> </p> </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-weight:bold;font-size:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:center"> <p style="font-family:Trebuchet MS;font-weight:bold;font-size:7pt;margin-bottom:0pt;margin-top:0pt"></p> </td>
<td style="vertical-align:bottom;font-weight:bold;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-weight:bold;font-size:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-weight:bold;font-size:7pt;margin-bottom:0pt;margin-top:0pt"></p> </td>
<td style="vertical-align:bottom;font-weight:bold;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-weight:bold;font-size:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-weight:bold;font-size:7pt;margin-bottom:0pt;margin-top:0pt"></p> </td>
<td style="vertical-align:bottom;font-weight:bold;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-weight:bold;font-size:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-weight:bold;font-size:7pt;margin-bottom:0pt;margin-top:0pt"></p> </td>
<td style="vertical-align:bottom;font-weight:bold;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-weight:bold;font-size:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-weight:bold;font-size:7pt;margin-bottom:0pt;margin-top:0pt"></p> </td>
<td style="vertical-align:bottom;font-weight:bold;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-weight:bold;font-size:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-weight:bold;font-size:7pt;margin-bottom:0pt;margin-top:0pt"></p> </td>
<td style="vertical-align:bottom;font-weight:bold;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-weight:bold;font-size:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-weight:bold;font-size:7pt;margin-bottom:0pt;margin-top:0pt"></p> </td>
<td style="vertical-align:bottom;font-weight:bold;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-weight:bold;font-size:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-weight:bold;font-size:7pt;margin-bottom:0pt;margin-top:0pt"></p> </td>
<td style="vertical-align:bottom;font-weight:bold;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-weight:bold;font-size:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-weight:bold;font-size:7pt;margin-bottom:0pt;margin-top:0pt"></p> </td>
<td style="vertical-align:bottom;font-weight:bold;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-weight:bold;font-size:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-weight:bold;font-size:7pt;margin-bottom:0pt;margin-top:0pt"></p> </td>
<td style="vertical-align:bottom;font-weight:bold;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-weight:bold;font-size:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-weight:bold;font-size:7pt;margin-bottom:0pt;margin-top:0pt"></p> </td>
<td style="vertical-align:bottom;font-weight:bold;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-weight:bold;font-size:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-weight:bold;font-size:7pt;margin-bottom:0pt;margin-top:0pt"></p> </td>
<td style="vertical-align:bottom;font-weight:bold;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td> </tr>
<tr style="page-break-inside:avoid;font-size:7pt;">
<td style="vertical-align:top;padding:0;"> <p style="font-family:Trebuchet MS;margin-left:0.00em;text-align:left;text-indent:0.00em;font-size:7pt;margin-bottom:0pt;margin-top:0pt">Average common equity (GAAP) </p> </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:center"> <p style="font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt">O </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt">$20,400 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt">$20,533 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt">$19,521 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt">($133) </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt">(1%) </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt">$879 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt">5% </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt">$20,325 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt">$19,645 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt">$680 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt">3% </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td> </tr>
<tr style="background-color:#cceeff;page-break-inside:avoid;font-size:7pt;">
<td style="vertical-align:top;padding:0;"> <p style="font-family:Trebuchet MS;margin-left:0.00em;text-align:left;text-indent:0.00em;font-size:7pt;margin-bottom:0pt;margin-top:0pt">Less: Average goodwill (GAAP) </p> </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:center"> <p style="font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt"></p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt">7,044 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt">7,044 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt">6,946 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt">&#8212; </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt">&#8212; </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt">98 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt">1 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt">7,036 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt">6,912 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt">124 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt">2 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td> </tr>
<tr style="page-break-inside:avoid;font-size:7pt;">
<td style="vertical-align:top;padding:0;"> <p style="font-family:Trebuchet MS;margin-left:0.00em;text-align:left;text-indent:0.00em;font-size:7pt;margin-bottom:0pt;margin-top:0pt">Less: Average other intangibles (GAAP) </p> </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:center"> <p style="font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt"></p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt">69 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt">73 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt">32 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt">(4) </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt">(5) </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt">37 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt">116 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt">71 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt">14 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt">57 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt">NM </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td> </tr>
<tr style="background-color:#cceeff;page-break-inside:avoid;font-size:7pt;">
<td style="vertical-align:top;padding:0;"> <p style="font-family:Trebuchet MS;margin-left:0.00em;text-align:left;text-indent:0.00em;font-size:7pt;margin-bottom:0pt;margin-top:0pt">Add: Average deferred tax liabilities related to goodwill (GAAP) </p> </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:center"> <p style="font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt"></p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt">373 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt">372 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt">364 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt">1 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt">&#8212; </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt">9 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt">2 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt">371 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt">359 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt">12 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt">3 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td> </tr>
<tr style="font-size:0pt;page-break-inside:avoid;">
<td style="vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;padding-right:2pt;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="border-bottom:1px solid #000000;vertical-align:bottom;">&#160;</td>
<td style="border-bottom:1px solid #000000;vertical-align:bottom;">&#160;</td>
<td style="padding-right:2pt;vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="border-bottom:1px solid #000000;vertical-align:bottom;">&#160;</td>
<td style="border-bottom:1px solid #000000;vertical-align:bottom;">&#160;</td>
<td style="padding-right:2pt;vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="border-bottom:1px solid #000000;vertical-align:bottom;">&#160;</td>
<td style="border-bottom:1px solid #000000;vertical-align:bottom;">&#160;</td>
<td style="padding-right:2pt;vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="border-bottom:1px solid #000000;vertical-align:bottom;">&#160;</td>
<td style="border-bottom:1px solid #000000;vertical-align:bottom;">&#160;</td>
<td style="padding-right:2pt;vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;padding-right:2pt;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="border-bottom:1px solid #000000;vertical-align:bottom;">&#160;</td>
<td style="border-bottom:1px solid #000000;vertical-align:bottom;">&#160;</td>
<td style="padding-right:2pt;vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;padding-right:2pt;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="border-bottom:1px solid #000000;vertical-align:bottom;">&#160;</td>
<td style="border-bottom:1px solid #000000;vertical-align:bottom;">&#160;</td>
<td style="padding-right:2pt;vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="border-bottom:1px solid #000000;vertical-align:bottom;">&#160;</td>
<td style="border-bottom:1px solid #000000;vertical-align:bottom;">&#160;</td>
<td style="padding-right:2pt;vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="border-bottom:1px solid #000000;vertical-align:bottom;">&#160;</td>
<td style="border-bottom:1px solid #000000;vertical-align:bottom;">&#160;</td>
<td style="padding-right:2pt;vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;padding-right:2pt;">&#160;</td> </tr>
<tr style="page-break-inside:avoid;font-size:7pt;">
<td style="vertical-align:top;padding:0;"> <p style="font-family:Trebuchet MS;margin-left:0.00em;text-align:left;text-indent:0.00em;font-size:7pt;margin-bottom:0pt;margin-top:0pt">Average tangible common equity </p> </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:center"> <p style="font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt">P </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt">$13,660 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt">$13,788 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt">$12,907 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt">($128) </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt">(1%) </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt">$753 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt">6% </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt">$13,589 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt">$13,078 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt">$511 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt">4% </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td> </tr>
<tr style="font-size:0pt;page-break-inside:avoid;">
<td style="vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;padding-right:2pt;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="border-bottom:3px double #000000;vertical-align:bottom;">&#160;</td>
<td style="border-bottom:3px double #000000;vertical-align:bottom;">&#160;</td>
<td style="padding-right:2pt;vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="border-bottom:3px double #000000;vertical-align:bottom;">&#160;</td>
<td style="border-bottom:3px double #000000;vertical-align:bottom;">&#160;</td>
<td style="padding-right:2pt;vertical-align:bottom;">&#160;</td>
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<td style="border-bottom:3px double #000000;vertical-align:bottom;">&#160;</td>
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<td style="border-bottom:3px double #000000;vertical-align:bottom;">&#160;</td>
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<td style="padding-right:2pt;vertical-align:bottom;">&#160;</td>
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<td style="border-bottom:3px double #000000;vertical-align:bottom;">&#160;</td>
<td style="border-bottom:3px double #000000;vertical-align:bottom;">&#160;</td>
<td style="padding-right:2pt;vertical-align:bottom;">&#160;</td>
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<td style="vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;padding-right:2pt;">&#160;</td> </tr>
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<td style="vertical-align:top;padding:0;"> <p style="font-family:Trebuchet MS;margin-left:0.00em;text-align:left;text-indent:0.00em;font-size:7pt;margin-bottom:0pt;margin-top:0pt">Return on average tangible common equity </p> </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:center"> <p style="font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt">M/P </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt">12.39</p> </td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">&#160;&#160;% </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt">12.44</p> </td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">&#160;&#160;% </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt">13.85</p> </td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">&#160;&#160;% </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt">(5) </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:justify"> <p style="font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt">bps </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt">(146) </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:justify"> <p style="font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt">bps </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt">12.64</p> </td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">&#160;&#160;% </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt">12.94</p> </td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">&#160;&#160;% </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt">(30) </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:justify"> <p style="font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt">bps </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td> </tr>
<tr style="page-break-inside:avoid;font-size:7pt;">
<td style="vertical-align:top;padding:0;"> <p style="font-family:Trebuchet MS;margin-left:0.00em;text-align:left;text-indent:0.00em;font-size:7pt;margin-bottom:0pt;margin-top:0pt">Return on average tangible common equity, Underlying (non-GAAP) </p> </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:center"> <p style="font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt">N/P </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt">12.49 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt">12.58 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt">14.11 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt">(9) </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:justify"> <p style="font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt">bps </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt">(162) </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:justify"> <p style="font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt">bps </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt">12.76 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt">13.06 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt">(30) </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:justify"> <p style="font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt">bps </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td> </tr>
<tr style="background-color:#cceeff;page-break-inside:avoid;font-size:7pt;">
<td style="vertical-align:top;padding:0;"> <p style="font-family:Trebuchet MS;font-weight:bold;margin-left:0.00em;text-align:left;text-indent:0.00em;font-size:7pt;margin-bottom:0pt;margin-top:0pt"> <span style="font-weight:Bold;font-style:normal">Return on average total assets and return on average total assets, Underlying:</span> </p> </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-weight:bold;font-size:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:center"> <p style="font-family:Trebuchet MS;font-weight:bold;font-size:7pt;margin-bottom:0pt;margin-top:0pt"></p> </td>
<td style="vertical-align:bottom;font-weight:bold;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-weight:bold;font-size:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-weight:bold;font-size:7pt;margin-bottom:0pt;margin-top:0pt"></p> </td>
<td style="vertical-align:bottom;font-weight:bold;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-weight:bold;font-size:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-weight:bold;font-size:7pt;margin-bottom:0pt;margin-top:0pt"></p> </td>
<td style="vertical-align:bottom;font-weight:bold;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-weight:bold;font-size:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-weight:bold;font-size:7pt;margin-bottom:0pt;margin-top:0pt"></p> </td>
<td style="vertical-align:bottom;font-weight:bold;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-weight:bold;font-size:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-weight:bold;font-size:7pt;margin-bottom:0pt;margin-top:0pt"></p> </td>
<td style="vertical-align:bottom;font-weight:bold;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-weight:bold;font-size:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-weight:bold;font-size:7pt;margin-bottom:0pt;margin-top:0pt"></p> </td>
<td style="vertical-align:bottom;font-weight:bold;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-weight:bold;font-size:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-weight:bold;font-size:7pt;margin-bottom:0pt;margin-top:0pt"></p> </td>
<td style="vertical-align:bottom;font-weight:bold;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-weight:bold;font-size:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-weight:bold;font-size:7pt;margin-bottom:0pt;margin-top:0pt"></p> </td>
<td style="vertical-align:bottom;font-weight:bold;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-weight:bold;font-size:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-weight:bold;font-size:7pt;margin-bottom:0pt;margin-top:0pt"></p> </td>
<td style="vertical-align:bottom;font-weight:bold;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-weight:bold;font-size:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-weight:bold;font-size:7pt;margin-bottom:0pt;margin-top:0pt"></p> </td>
<td style="vertical-align:bottom;font-weight:bold;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-weight:bold;font-size:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-weight:bold;font-size:7pt;margin-bottom:0pt;margin-top:0pt"></p> </td>
<td style="vertical-align:bottom;font-weight:bold;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-weight:bold;font-size:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-weight:bold;font-size:7pt;margin-bottom:0pt;margin-top:0pt"></p> </td>
<td style="vertical-align:bottom;font-weight:bold;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td> </tr>
<tr style="page-break-inside:avoid;font-size:7pt;">
<td style="vertical-align:top;padding:0;"> <p style="font-family:Trebuchet MS;margin-left:0.00em;text-align:left;text-indent:0.00em;font-size:7pt;margin-bottom:0pt;margin-top:0pt">Average total assets (GAAP) </p> </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:center"> <p style="font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt">Q </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt">$164,646 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt">$162,110 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt">$157,732 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt">$2,536 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt">2% </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt">$6,914 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt">4% </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt">$162,176 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt">$154,553 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt">$7,623 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt">5% </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td> </tr>
<tr style="background-color:#cceeff;page-break-inside:avoid;font-size:7pt;">
<td style="vertical-align:top;padding:0;"> <p style="font-family:Trebuchet MS;margin-left:0.00em;text-align:left;text-indent:0.00em;font-size:7pt;margin-bottom:0pt;margin-top:0pt">Return on average total assets </p> </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:center"> <p style="font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt">K/Q </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt">1.08</p> </td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">&#160;&#160;% </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt">1.10</p> </td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">&#160;&#160;% </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt">1.17</p> </td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">&#160;&#160;% </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt">(2) </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:justify"> <p style="font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt">bps </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt">(9) </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:justify"> <p style="font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt">bps </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt">1.10</p> </td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">&#160;&#160;% </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt">1.11</p> </td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">&#160;&#160;% </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt">(1) </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:justify"> <p style="font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt">bps </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td> </tr>
<tr style="page-break-inside:avoid;font-size:7pt;">
<td style="vertical-align:top;padding:0;"> <p style="font-family:Trebuchet MS;margin-left:0.00em;text-align:left;text-indent:0.00em;font-size:7pt;margin-bottom:0pt;margin-top:0pt">Return on average total assets, Underlying (non-GAAP) </p> </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:center"> <p style="font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt">L/Q </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt">1.09 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt">1.11 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt">1.19 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt">(2) </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:justify"> <p style="font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt">bps </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt">(10) </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:justify"> <p style="font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt">bps </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt">1.11 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt">1.12 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt">(1) </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:justify"> <p style="font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt">bps </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td> </tr>
<tr style="background-color:#cceeff;page-break-inside:avoid;font-size:7pt;">
<td style="vertical-align:top;padding:0;"> <p style="font-family:Trebuchet MS;font-weight:bold;margin-left:0.00em;text-align:left;text-indent:0.00em;font-size:7pt;margin-bottom:0pt;margin-top:0pt"> <span style="font-weight:Bold;font-style:normal">Return on average total tangible assets and return on average total tangible assets, Underlying:</span> </p> </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-weight:bold;font-size:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:center"> <p style="font-family:Trebuchet MS;font-weight:bold;font-size:7pt;margin-bottom:0pt;margin-top:0pt"></p> </td>
<td style="vertical-align:bottom;font-weight:bold;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-weight:bold;font-size:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-weight:bold;font-size:7pt;margin-bottom:0pt;margin-top:0pt"></p> </td>
<td style="vertical-align:bottom;font-weight:bold;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-weight:bold;font-size:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-weight:bold;font-size:7pt;margin-bottom:0pt;margin-top:0pt"></p> </td>
<td style="vertical-align:bottom;font-weight:bold;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-weight:bold;font-size:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-weight:bold;font-size:7pt;margin-bottom:0pt;margin-top:0pt"></p> </td>
<td style="vertical-align:bottom;font-weight:bold;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-weight:bold;font-size:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-weight:bold;font-size:7pt;margin-bottom:0pt;margin-top:0pt"></p> </td>
<td style="vertical-align:bottom;font-weight:bold;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-weight:bold;font-size:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-weight:bold;font-size:7pt;margin-bottom:0pt;margin-top:0pt"></p> </td>
<td style="vertical-align:bottom;font-weight:bold;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-weight:bold;font-size:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-weight:bold;font-size:7pt;margin-bottom:0pt;margin-top:0pt"></p> </td>
<td style="vertical-align:bottom;font-weight:bold;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-weight:bold;font-size:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-weight:bold;font-size:7pt;margin-bottom:0pt;margin-top:0pt"></p> </td>
<td style="vertical-align:bottom;font-weight:bold;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-weight:bold;font-size:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-weight:bold;font-size:7pt;margin-bottom:0pt;margin-top:0pt"></p> </td>
<td style="vertical-align:bottom;font-weight:bold;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-weight:bold;font-size:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-weight:bold;font-size:7pt;margin-bottom:0pt;margin-top:0pt"></p> </td>
<td style="vertical-align:bottom;font-weight:bold;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-weight:bold;font-size:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-weight:bold;font-size:7pt;margin-bottom:0pt;margin-top:0pt"></p> </td>
<td style="vertical-align:bottom;font-weight:bold;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-weight:bold;font-size:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-weight:bold;font-size:7pt;margin-bottom:0pt;margin-top:0pt"></p> </td>
<td style="vertical-align:bottom;font-weight:bold;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td> </tr>
<tr style="page-break-inside:avoid;font-size:7pt;">
<td style="vertical-align:top;padding:0;"> <p style="font-family:Trebuchet MS;margin-left:0.00em;text-align:left;text-indent:0.00em;font-size:7pt;margin-bottom:0pt;margin-top:0pt">Average total assets (GAAP) </p> </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:center"> <p style="font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt">Q </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt">$164,646 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt">$162,110 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt">$157,732 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt">$2,536 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt">2% </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt">$6,914 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt">4% </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt">$162,176 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt">$154,553 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt">$7,623 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt">5% </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td> </tr>
<tr style="background-color:#cceeff;page-break-inside:avoid;font-size:7pt;">
<td style="vertical-align:top;padding:0;"> <p style="font-family:Trebuchet MS;margin-left:0.00em;text-align:left;text-indent:0.00em;font-size:7pt;margin-bottom:0pt;margin-top:0pt">Less: Average goodwill (GAAP) </p> </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:center"> <p style="font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt"></p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt">7,044 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt">7,044 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt">6,946 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt">&#8212; </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt">&#8212; </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt">98 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt">1 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt">7,036 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt">6,912 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt">124 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt">2 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td> </tr>
<tr style="page-break-inside:avoid;font-size:7pt;">
<td style="vertical-align:top;padding:0;"> <p style="font-family:Trebuchet MS;margin-left:0.00em;text-align:left;text-indent:0.00em;font-size:7pt;margin-bottom:0pt;margin-top:0pt">Less: Average other intangibles (GAAP) </p> </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:center"> <p style="font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt"></p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt">69 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt">73 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt">32 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt">(4) </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt">(5) </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt">37 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt">116 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt">71 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt">14 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt">57 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt">NM </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td> </tr>
<tr style="background-color:#cceeff;page-break-inside:avoid;font-size:7pt;">
<td style="vertical-align:top;padding:0;"> <p style="font-family:Trebuchet MS;margin-left:0.00em;text-align:left;text-indent:0.00em;font-size:7pt;margin-bottom:0pt;margin-top:0pt">Add: Average deferred tax liabilities related to goodwill (GAAP) </p> </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:center"> <p style="font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt"></p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt">373 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt">372 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt">364 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt">1 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt">&#8212; </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt">9 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt">2 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt">371 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt">359 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt">12 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt">3 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td> </tr>
<tr style="font-size:0pt;page-break-inside:avoid;">
<td style="vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;padding-right:2pt;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="border-bottom:1px solid #000000;vertical-align:bottom;">&#160;</td>
<td style="border-bottom:1px solid #000000;vertical-align:bottom;">&#160;</td>
<td style="padding-right:2pt;vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="border-bottom:1px solid #000000;vertical-align:bottom;">&#160;</td>
<td style="border-bottom:1px solid #000000;vertical-align:bottom;">&#160;</td>
<td style="padding-right:2pt;vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="border-bottom:1px solid #000000;vertical-align:bottom;">&#160;</td>
<td style="border-bottom:1px solid #000000;vertical-align:bottom;">&#160;</td>
<td style="padding-right:2pt;vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="border-bottom:1px solid #000000;vertical-align:bottom;">&#160;</td>
<td style="border-bottom:1px solid #000000;vertical-align:bottom;">&#160;</td>
<td style="padding-right:2pt;vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;padding-right:2pt;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="border-bottom:1px solid #000000;vertical-align:bottom;">&#160;</td>
<td style="border-bottom:1px solid #000000;vertical-align:bottom;">&#160;</td>
<td style="padding-right:2pt;vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;padding-right:2pt;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="border-bottom:1px solid #000000;vertical-align:bottom;">&#160;</td>
<td style="border-bottom:1px solid #000000;vertical-align:bottom;">&#160;</td>
<td style="padding-right:2pt;vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="border-bottom:1px solid #000000;vertical-align:bottom;">&#160;</td>
<td style="border-bottom:1px solid #000000;vertical-align:bottom;">&#160;</td>
<td style="padding-right:2pt;vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="border-bottom:1px solid #000000;vertical-align:bottom;">&#160;</td>
<td style="border-bottom:1px solid #000000;vertical-align:bottom;">&#160;</td>
<td style="padding-right:2pt;vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;padding-right:2pt;">&#160;</td> </tr>
<tr style="page-break-inside:avoid;font-size:7pt;">
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<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:center"> <p style="font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt">R </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt">$157,906 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt">$155,365 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt">$151,118 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt">$2,541 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt">2% </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt">$6,788 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt">4% </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt">$155,440 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt">$147,986 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt">$7,454 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt">5% </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td> </tr>
<tr style="font-size:0pt;page-break-inside:avoid;">
<td style="vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;padding-right:2pt;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="border-bottom:3px double #000000;vertical-align:bottom;">&#160;</td>
<td style="border-bottom:3px double #000000;vertical-align:bottom;">&#160;</td>
<td style="padding-right:2pt;vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="border-bottom:3px double #000000;vertical-align:bottom;">&#160;</td>
<td style="border-bottom:3px double #000000;vertical-align:bottom;">&#160;</td>
<td style="padding-right:2pt;vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="border-bottom:3px double #000000;vertical-align:bottom;">&#160;</td>
<td style="border-bottom:3px double #000000;vertical-align:bottom;">&#160;</td>
<td style="padding-right:2pt;vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="border-bottom:3px double #000000;vertical-align:bottom;">&#160;</td>
<td style="border-bottom:3px double #000000;vertical-align:bottom;">&#160;</td>
<td style="padding-right:2pt;vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;padding-right:2pt;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="border-bottom:3px double #000000;vertical-align:bottom;">&#160;</td>
<td style="border-bottom:3px double #000000;vertical-align:bottom;">&#160;</td>
<td style="padding-right:2pt;vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;padding-right:2pt;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="border-bottom:3px double #000000;vertical-align:bottom;">&#160;</td>
<td style="border-bottom:3px double #000000;vertical-align:bottom;">&#160;</td>
<td style="padding-right:2pt;vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="border-bottom:3px double #000000;vertical-align:bottom;">&#160;</td>
<td style="border-bottom:3px double #000000;vertical-align:bottom;">&#160;</td>
<td style="padding-right:2pt;vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="border-bottom:3px double #000000;vertical-align:bottom;">&#160;</td>
<td style="border-bottom:3px double #000000;vertical-align:bottom;">&#160;</td>
<td style="padding-right:2pt;vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;padding-right:2pt;">&#160;</td> </tr>
<tr style="background-color:#cceeff;page-break-inside:avoid;font-size:7pt;">
<td style="vertical-align:top;padding:0;"> <p style="font-family:Trebuchet MS;margin-left:0.00em;text-align:left;text-indent:0.00em;font-size:7pt;margin-bottom:0pt;margin-top:0pt">Return on average total tangible assets </p> </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:center"> <p style="font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt">K/R </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt">1.13</p> </td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">&#160;&#160;% </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt">1.15</p> </td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">&#160;&#160;% </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt">1.22</p> </td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">&#160;&#160;% </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt">(2) </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:justify"> <p style="font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt">bps </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt">(9) </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:justify"> <p style="font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt">bps </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt">1.15</p> </td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">&#160;&#160;% </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt">1.16</p> </td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">&#160;&#160;% </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt">(1) </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:justify"> <p style="font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt">bps </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td> </tr>
<tr style="page-break-inside:avoid;font-size:7pt;">
<td style="vertical-align:top;padding:0;"> <p style="font-family:Trebuchet MS;margin-left:0.00em;text-align:left;text-indent:0.00em;font-size:7pt;margin-bottom:0pt;margin-top:0pt">Return on average total tangible assets, Underlying (non-GAAP) </p> </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:center"> <p style="font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt">L/R </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt">1.14 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt">1.16 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt">1.24 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt">(2) </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:justify"> <p style="font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt">bps </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt">(10) </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:justify"> <p style="font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt">bps </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt">1.16 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt">1.17 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt">(1) </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:justify"> <p style="font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt">bps </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td> </tr> </table> <p style="font-family:Trebuchet MS;text-align:justify;font-size:10pt;margin-bottom:0pt;margin-top:0pt"></p> <div></div> <p style="margin-top:1em;margin-bottom:0em"></p>
 <div style="width:100%"> <p style="font-family:Trebuchet MS;text-align:center;font-size:10pt;margin-bottom:0pt;margin-top:0pt">23</p> <div></div> </div>

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 <div style="font-size:10pt;width:100%"> <p style="font-family:Trebuchet MS;text-align:justify;font-size:10pt;margin-bottom:0pt;margin-top:0pt"></p> <div></div> <p style="margin-top:1em;margin-bottom:0em"></p> <p style="font-family:Trebuchet MS;font-weight:bold;text-align:left;font-size:8pt;margin-bottom:0pt;margin-top:0pt">Key performance metrics, non-GAAP financial measures and reconciliations (continued) </p> <p style="font-family:Trebuchet MS;text-align:justify;font-size:8pt;margin-bottom:0pt;margin-top:0pt">(in millions, except share, per-share and ratio data) </p> <div></div> <p style="margin-top:1em;margin-bottom:0em"></p>
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<td style="vertical-align:bottom;">&#160;</td>
<td colspan="2" style="vertical-align:bottom;"> <p style="font-family:Trebuchet MS;font-weight:bold;text-align:center;font-size:6pt;margin-bottom:0pt;margin-top:0pt"></p> </td>
<td style="vertical-align:bottom;font-weight:bold;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td colspan="26" style="border-bottom:1pt solid #000000;vertical-align:bottom;"> <p style="font-family:Trebuchet MS;font-weight:bold;text-align:center;font-size:6pt;margin-bottom:0pt;margin-top:0pt">QUARTERLY TRENDS </p> </td>
<td>&#160;</td>
<td>&#160;</td>
<td colspan="14" style="border-bottom:1pt solid #000000;vertical-align:bottom;"> <p style="font-family:Trebuchet MS;font-weight:bold;text-align:center;font-size:6pt;margin-bottom:0pt;margin-top:0pt">FULL YEAR </p> </td>
<td>&#160;</td> </tr>
<tr style="page-break-inside:avoid;font-size:6pt;">
<td style="vertical-align:bottom;"> <p style="font-family:Trebuchet MS;font-weight:bold;text-align:center;font-size:6pt;margin-bottom:0pt;margin-top:0pt"></p> </td>
<td style="vertical-align:bottom;">&#160;</td>
<td colspan="2" style="vertical-align:bottom;"> <p style="font-family:Trebuchet MS;font-weight:bold;text-align:center;font-size:6pt;margin-bottom:0pt;margin-top:0pt"></p> </td>
<td style="vertical-align:bottom;font-weight:bold;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td colspan="2" style="vertical-align:bottom;"> <p style="font-family:Trebuchet MS;font-weight:bold;text-align:center;font-size:6pt;margin-bottom:0pt;margin-top:0pt"></p> </td>
<td style="vertical-align:bottom;font-weight:bold;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td colspan="2" style="vertical-align:bottom;"> <p style="font-family:Trebuchet MS;font-weight:bold;text-align:center;font-size:6pt;margin-bottom:0pt;margin-top:0pt"></p> </td>
<td style="vertical-align:bottom;font-weight:bold;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td colspan="2" style="vertical-align:bottom;"> <p style="font-family:Trebuchet MS;font-weight:bold;text-align:center;font-size:6pt;margin-bottom:0pt;margin-top:0pt"></p> </td>
<td style="vertical-align:bottom;font-weight:bold;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td colspan="14" style="border-bottom:1pt solid #000000;vertical-align:bottom;"> <p style="font-family:Trebuchet MS;font-weight:bold;text-align:center;font-size:6pt;margin-bottom:0pt;margin-top:0pt">4Q19 Change </p> </td>
<td>&#160;</td>
<td>&#160;</td>
<td colspan="2" style="vertical-align:bottom;"> <p style="font-family:Trebuchet MS;font-weight:bold;text-align:center;font-size:6pt;margin-bottom:0pt;margin-top:0pt"></p> </td>
<td style="vertical-align:bottom;font-weight:bold;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td colspan="2" style="vertical-align:bottom;"> <p style="font-family:Trebuchet MS;font-weight:bold;text-align:center;font-size:6pt;margin-bottom:0pt;margin-top:0pt"></p> </td>
<td style="vertical-align:bottom;font-weight:bold;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td colspan="6" style="border-bottom:1pt solid #000000;vertical-align:bottom;"> <p style="font-family:Trebuchet MS;font-weight:bold;text-align:center;font-size:6pt;margin-bottom:0pt;margin-top:0pt">2019 Change </p> </td>
<td>&#160;</td> </tr>
<tr style="page-break-inside:avoid;font-size:6pt;">
<td style="vertical-align:bottom;"> <p style="font-family:Trebuchet MS;font-weight:bold;text-align:center;font-size:6pt;margin-bottom:0pt;margin-top:0pt"></p> </td>
<td style="vertical-align:bottom;">&#160;</td>
<td colspan="2" style="vertical-align:bottom;"> <p style="font-family:Trebuchet MS;font-weight:bold;text-align:center;font-size:6pt;margin-bottom:0pt;margin-top:0pt"></p> </td>
<td style="vertical-align:bottom;font-weight:bold;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td colspan="2" style="border-bottom:1pt solid #000000;vertical-align:bottom;"> <p style="font-family:Trebuchet MS;font-weight:bold;text-align:center;font-size:6pt;margin-bottom:0pt;margin-top:0pt">4Q19 </p> </td>
<td style="vertical-align:bottom;font-weight:bold;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td colspan="2" style="border-bottom:1pt solid #000000;vertical-align:bottom;"> <p style="font-family:Trebuchet MS;font-weight:bold;text-align:center;font-size:6pt;margin-bottom:0pt;margin-top:0pt">3Q19 </p> </td>
<td style="vertical-align:bottom;font-weight:bold;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td colspan="2" style="border-bottom:1pt solid #000000;vertical-align:bottom;"> <p style="font-family:Trebuchet MS;font-weight:bold;text-align:center;font-size:6pt;margin-bottom:0pt;margin-top:0pt">4Q18 </p> </td>
<td style="vertical-align:bottom;font-weight:bold;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td colspan="6" style="border-bottom:1pt solid #000000;vertical-align:bottom;"> <p style="font-family:Trebuchet MS;font-weight:bold;text-align:center;font-size:6pt;margin-bottom:0pt;margin-top:0pt">3Q19 </p> </td>
<td>&#160;</td>
<td>&#160;</td>
<td colspan="6" style="border-bottom:1pt solid #000000;vertical-align:bottom;"> <p style="font-family:Trebuchet MS;font-weight:bold;text-align:center;font-size:6pt;margin-bottom:0pt;margin-top:0pt">4Q18 </p> </td>
<td>&#160;</td>
<td>&#160;</td>
<td colspan="2" style="border-bottom:1pt solid #000000;vertical-align:bottom;"> <p style="font-family:Trebuchet MS;font-weight:bold;text-align:center;font-size:6pt;margin-bottom:0pt;margin-top:0pt">2019 </p> </td>
<td style="vertical-align:bottom;font-weight:bold;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td colspan="2" style="border-bottom:1pt solid #000000;vertical-align:bottom;"> <p style="font-family:Trebuchet MS;font-weight:bold;text-align:center;font-size:6pt;margin-bottom:0pt;margin-top:0pt">2018 </p> </td>
<td style="vertical-align:bottom;font-weight:bold;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td colspan="6" style="border-bottom:1pt solid #000000;vertical-align:bottom;"> <p style="font-family:Trebuchet MS;font-weight:bold;text-align:center;font-size:6pt;margin-bottom:0pt;margin-top:0pt">2018 </p> </td>
<td>&#160;</td> </tr>
<tr style="page-break-inside:avoid;font-size:6pt;">
<td style="vertical-align:bottom;"> <p style="font-family:Trebuchet MS;font-weight:bold;text-align:center;font-size:6pt;margin-bottom:0pt;margin-top:0pt"></p> </td>
<td style="vertical-align:bottom;">&#160;</td>
<td colspan="2" style="vertical-align:bottom;"> <p style="font-family:Trebuchet MS;font-weight:bold;text-align:center;font-size:6pt;margin-bottom:0pt;margin-top:0pt"></p> </td>
<td style="vertical-align:bottom;font-weight:bold;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td colspan="2" style="vertical-align:bottom;"> <p style="font-family:Trebuchet MS;font-weight:bold;text-align:center;font-size:6pt;margin-bottom:0pt;margin-top:0pt"></p> </td>
<td style="vertical-align:bottom;font-weight:bold;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td colspan="2" style="vertical-align:bottom;"> <p style="font-family:Trebuchet MS;font-weight:bold;text-align:center;font-size:6pt;margin-bottom:0pt;margin-top:0pt"></p> </td>
<td style="vertical-align:bottom;font-weight:bold;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td colspan="2" style="vertical-align:bottom;"> <p style="font-family:Trebuchet MS;font-weight:bold;text-align:center;font-size:6pt;margin-bottom:0pt;margin-top:0pt"></p> </td>
<td style="vertical-align:bottom;font-weight:bold;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td colspan="2" style="border-bottom:1pt solid #000000;vertical-align:bottom;"> <p style="font-family:Trebuchet MS;font-weight:bold;text-align:center;font-size:6pt;margin-bottom:0pt;margin-top:0pt">$/bps </p> </td>
<td style="vertical-align:bottom;font-weight:bold;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td colspan="2" style="border-bottom:1pt solid #000000;vertical-align:bottom;"> <p style="font-family:Trebuchet MS;font-weight:bold;text-align:center;font-size:6pt;margin-bottom:0pt;margin-top:0pt">% </p> </td>
<td style="vertical-align:bottom;font-weight:bold;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td colspan="2" style="border-bottom:1pt solid #000000;vertical-align:bottom;"> <p style="font-family:Trebuchet MS;font-weight:bold;text-align:center;font-size:6pt;margin-bottom:0pt;margin-top:0pt">$/bps </p> </td>
<td style="vertical-align:bottom;font-weight:bold;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td colspan="2" style="border-bottom:1pt solid #000000;vertical-align:bottom;"> <p style="font-family:Trebuchet MS;font-weight:bold;text-align:center;font-size:6pt;margin-bottom:0pt;margin-top:0pt">% </p> </td>
<td style="vertical-align:bottom;font-weight:bold;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td colspan="2" style="vertical-align:bottom;"> <p style="font-family:Trebuchet MS;font-weight:bold;text-align:center;font-size:6pt;margin-bottom:0pt;margin-top:0pt"></p> </td>
<td style="vertical-align:bottom;font-weight:bold;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td colspan="2" style="vertical-align:bottom;"> <p style="font-family:Trebuchet MS;font-weight:bold;text-align:center;font-size:6pt;margin-bottom:0pt;margin-top:0pt"></p> </td>
<td style="vertical-align:bottom;font-weight:bold;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td colspan="2" style="border-bottom:1pt solid #000000;vertical-align:bottom;"> <p style="font-family:Trebuchet MS;font-weight:bold;text-align:center;font-size:6pt;margin-bottom:0pt;margin-top:0pt">$/bps </p> </td>
<td style="vertical-align:bottom;font-weight:bold;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td colspan="2" style="border-bottom:1pt solid #000000;vertical-align:bottom;"> <p style="font-family:Trebuchet MS;font-weight:bold;text-align:center;font-size:6pt;margin-bottom:0pt;margin-top:0pt">% </p> </td>
<td style="vertical-align:bottom;font-weight:bold;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td> </tr>
<tr style="background-color:#cceeff;page-break-inside:avoid;font-size:6pt;">
<td style="vertical-align:top;padding:0;"> <p style="font-family:Trebuchet MS;font-weight:bold;margin-left:0.00em;text-align:left;text-indent:0.00em;font-size:6pt;margin-bottom:0pt;margin-top:0pt">Tangible book value per common share: </p> </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-weight:bold;font-size:6pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:center"> <p style="font-family:Trebuchet MS;font-weight:bold;font-size:6pt;margin-bottom:0pt;margin-top:0pt"></p> </td>
<td style="vertical-align:bottom;font-weight:bold;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-weight:bold;font-size:6pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-weight:bold;font-size:6pt;margin-bottom:0pt;margin-top:0pt"></p> </td>
<td style="vertical-align:bottom;font-weight:bold;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-weight:bold;font-size:6pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-weight:bold;font-size:6pt;margin-bottom:0pt;margin-top:0pt"></p> </td>
<td style="vertical-align:bottom;font-weight:bold;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-weight:bold;font-size:6pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-weight:bold;font-size:6pt;margin-bottom:0pt;margin-top:0pt"></p> </td>
<td style="vertical-align:bottom;font-weight:bold;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-weight:bold;font-size:6pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-weight:bold;font-size:6pt;margin-bottom:0pt;margin-top:0pt"></p> </td>
<td style="vertical-align:bottom;font-weight:bold;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-weight:bold;font-size:6pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-weight:bold;font-size:6pt;margin-bottom:0pt;margin-top:0pt"></p> </td>
<td style="vertical-align:bottom;font-weight:bold;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-weight:bold;font-size:6pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-weight:bold;font-size:6pt;margin-bottom:0pt;margin-top:0pt"></p> </td>
<td style="vertical-align:bottom;font-weight:bold;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-weight:bold;font-size:6pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-weight:bold;font-size:6pt;margin-bottom:0pt;margin-top:0pt"></p> </td>
<td style="vertical-align:bottom;font-weight:bold;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-weight:bold;font-size:6pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-weight:bold;font-size:6pt;margin-bottom:0pt;margin-top:0pt"></p> </td>
<td style="vertical-align:bottom;font-weight:bold;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-weight:bold;font-size:6pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-weight:bold;font-size:6pt;margin-bottom:0pt;margin-top:0pt"></p> </td>
<td style="vertical-align:bottom;font-weight:bold;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-weight:bold;font-size:6pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-weight:bold;font-size:6pt;margin-bottom:0pt;margin-top:0pt"></p> </td>
<td style="vertical-align:bottom;font-weight:bold;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-weight:bold;font-size:6pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-weight:bold;font-size:6pt;margin-bottom:0pt;margin-top:0pt"></p> </td>
<td style="vertical-align:bottom;font-weight:bold;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td> </tr>
<tr style="page-break-inside:avoid;font-size:6pt;">
<td style="vertical-align:top;padding:0;"> <p style="font-family:Trebuchet MS;margin-left:0.00em;text-align:left;text-indent:0.00em;font-size:6pt;margin-bottom:0pt;margin-top:0pt">Common shares &#8211; at <span style="white-space:nowrap">period-end</span> (GAAP) </p> </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:6pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:center"> <p style="font-family:Trebuchet MS;font-size:6pt;margin-bottom:0pt;margin-top:0pt">S </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:6pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:6pt;margin-bottom:0pt;margin-top:0pt">&#160;&#160;433,121,083&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:6pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:6pt;margin-bottom:0pt;margin-top:0pt">&#160;&#160;443,913,525&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:6pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:6pt;margin-bottom:0pt;margin-top:0pt">&#160;&#160;466,007,984&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:6pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:6pt;margin-bottom:0pt;margin-top:0pt">(10,792,442</p> </td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:6pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">) </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:6pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:6pt;margin-bottom:0pt;margin-top:0pt">(2%)&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:6pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:6pt;margin-bottom:0pt;margin-top:0pt">(32,886,901) </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:6pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:6pt;margin-bottom:0pt;margin-top:0pt">(7%)&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:6pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:6pt;margin-bottom:0pt;margin-top:0pt">&#160;&#160;433,121,083&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:6pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:6pt;margin-bottom:0pt;margin-top:0pt">466,007,984&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:6pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:6pt;margin-bottom:0pt;margin-top:0pt">(32,886,901) </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:6pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:6pt;margin-bottom:0pt;margin-top:0pt">(7%)&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td> </tr>
<tr style="background-color:#cceeff;page-break-inside:avoid;font-size:6pt;">
<td style="vertical-align:top;padding:0;"> <p style="font-family:Trebuchet MS;margin-left:0.00em;text-align:left;text-indent:0.00em;font-size:6pt;margin-bottom:0pt;margin-top:0pt">Common stockholders&#8217; equity (GAAP) </p> </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:6pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:center"> <p style="font-family:Trebuchet MS;font-size:6pt;margin-bottom:0pt;margin-top:0pt"></p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:6pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:6pt;margin-bottom:0pt;margin-top:0pt">$20,631&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:6pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:6pt;margin-bottom:0pt;margin-top:0pt">$20,718&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:6pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:6pt;margin-bottom:0pt;margin-top:0pt">$19,977&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:6pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:6pt;margin-bottom:0pt;margin-top:0pt">($87) </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:6pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:6pt;margin-bottom:0pt;margin-top:0pt">&#8212;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:6pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:6pt;margin-bottom:0pt;margin-top:0pt">$654&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:6pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:6pt;margin-bottom:0pt;margin-top:0pt">3&#160;&#160;&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:6pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:6pt;margin-bottom:0pt;margin-top:0pt">$20,631&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:6pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:6pt;margin-bottom:0pt;margin-top:0pt">$19,977&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:6pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:6pt;margin-bottom:0pt;margin-top:0pt">$654&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:6pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:6pt;margin-bottom:0pt;margin-top:0pt">3&#160;&#160;&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td> </tr>
<tr style="page-break-inside:avoid;font-size:6pt;">
<td style="vertical-align:top;padding:0;"> <p style="font-family:Trebuchet MS;margin-left:1.00em;text-align:left;text-indent:-1.00em;font-size:6pt;margin-bottom:0pt;margin-top:0pt">Less: Goodwill (GAAP) </p> </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:6pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:center"> <p style="font-family:Trebuchet MS;font-size:6pt;margin-bottom:0pt;margin-top:0pt"></p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:6pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:6pt;margin-bottom:0pt;margin-top:0pt">7,044&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:6pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:6pt;margin-bottom:0pt;margin-top:0pt">7,044&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:6pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:6pt;margin-bottom:0pt;margin-top:0pt">6,923&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:6pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:6pt;margin-bottom:0pt;margin-top:0pt">&#8212;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:6pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:6pt;margin-bottom:0pt;margin-top:0pt">&#8212;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:6pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:6pt;margin-bottom:0pt;margin-top:0pt">121&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:6pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:6pt;margin-bottom:0pt;margin-top:0pt">2&#160;&#160;&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:6pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:6pt;margin-bottom:0pt;margin-top:0pt">7,044&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:6pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:6pt;margin-bottom:0pt;margin-top:0pt">6,923&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:6pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:6pt;margin-bottom:0pt;margin-top:0pt">121&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:6pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:6pt;margin-bottom:0pt;margin-top:0pt">2&#160;&#160;&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td> </tr>
<tr style="background-color:#cceeff;page-break-inside:avoid;font-size:6pt;">
<td style="vertical-align:top;padding:0;"> <p style="font-family:Trebuchet MS;margin-left:0.00em;text-align:left;text-indent:0.00em;font-size:6pt;margin-bottom:0pt;margin-top:0pt">Less: Other intangible assets (GAAP) </p> </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:6pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:center"> <p style="font-family:Trebuchet MS;font-size:6pt;margin-bottom:0pt;margin-top:0pt"></p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:6pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:6pt;margin-bottom:0pt;margin-top:0pt">68&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:6pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:6pt;margin-bottom:0pt;margin-top:0pt">71&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:6pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:6pt;margin-bottom:0pt;margin-top:0pt">31&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:6pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:6pt;margin-bottom:0pt;margin-top:0pt">(3) </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:6pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:6pt;margin-bottom:0pt;margin-top:0pt">(4)&#160;&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:6pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:6pt;margin-bottom:0pt;margin-top:0pt">37&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:6pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:6pt;margin-bottom:0pt;margin-top:0pt">119&#160;&#160;&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:6pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:6pt;margin-bottom:0pt;margin-top:0pt">68&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:6pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:6pt;margin-bottom:0pt;margin-top:0pt">31&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:6pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:6pt;margin-bottom:0pt;margin-top:0pt">37&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:6pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:6pt;margin-bottom:0pt;margin-top:0pt">119&#160;&#160;&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td> </tr>
<tr style="page-break-inside:avoid;font-size:6pt;">
<td style="vertical-align:top;padding:0;"> <p style="font-family:Trebuchet MS;margin-left:0.00em;text-align:left;text-indent:0.00em;font-size:6pt;margin-bottom:0pt;margin-top:0pt">Add: Deferred tax liabilities related to goodwill (GAAP) </p> </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:6pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:center"> <p style="font-family:Trebuchet MS;font-size:6pt;margin-bottom:0pt;margin-top:0pt"></p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:6pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:6pt;margin-bottom:0pt;margin-top:0pt">374&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:6pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:6pt;margin-bottom:0pt;margin-top:0pt">373&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:6pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:6pt;margin-bottom:0pt;margin-top:0pt">366&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:6pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:6pt;margin-bottom:0pt;margin-top:0pt">1&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:6pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:6pt;margin-bottom:0pt;margin-top:0pt">&#8212;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:6pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:6pt;margin-bottom:0pt;margin-top:0pt">8&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:6pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:6pt;margin-bottom:0pt;margin-top:0pt">2&#160;&#160;&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:6pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:6pt;margin-bottom:0pt;margin-top:0pt">374&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:6pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:6pt;margin-bottom:0pt;margin-top:0pt">366&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:6pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:6pt;margin-bottom:0pt;margin-top:0pt">8&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:6pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:6pt;margin-bottom:0pt;margin-top:0pt">2&#160;&#160;&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td> </tr>
<tr style="font-size:0pt;page-break-inside:avoid;">
<td style="vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;padding-right:2pt;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="border-bottom:1px solid #000000;vertical-align:bottom;">&#160;</td>
<td style="border-bottom:1px solid #000000;vertical-align:bottom;">&#160;</td>
<td style="padding-right:2pt;vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="border-bottom:1px solid #000000;vertical-align:bottom;">&#160;</td>
<td style="border-bottom:1px solid #000000;vertical-align:bottom;">&#160;</td>
<td style="padding-right:2pt;vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="border-bottom:1px solid #000000;vertical-align:bottom;">&#160;</td>
<td style="border-bottom:1px solid #000000;vertical-align:bottom;">&#160;</td>
<td style="padding-right:2pt;vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="border-bottom:1px solid #000000;vertical-align:bottom;">&#160;</td>
<td style="border-bottom:1px solid #000000;vertical-align:bottom;">&#160;</td>
<td style="padding-right:2pt;vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;padding-right:2pt;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="border-bottom:1px solid #000000;vertical-align:bottom;">&#160;</td>
<td style="border-bottom:1px solid #000000;vertical-align:bottom;">&#160;</td>
<td style="padding-right:2pt;vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;padding-right:2pt;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="border-bottom:1px solid #000000;vertical-align:bottom;">&#160;</td>
<td style="border-bottom:1px solid #000000;vertical-align:bottom;">&#160;</td>
<td style="padding-right:2pt;vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="border-bottom:1px solid #000000;vertical-align:bottom;">&#160;</td>
<td style="border-bottom:1px solid #000000;vertical-align:bottom;">&#160;</td>
<td style="padding-right:2pt;vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="border-bottom:1px solid #000000;vertical-align:bottom;">&#160;</td>
<td style="border-bottom:1px solid #000000;vertical-align:bottom;">&#160;</td>
<td style="padding-right:2pt;vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;padding-right:2pt;">&#160;</td> </tr>
<tr style="background-color:#cceeff;page-break-inside:avoid;font-size:6pt;">
<td style="vertical-align:top;padding:0;"> <p style="font-family:Trebuchet MS;margin-left:1.00em;text-align:left;text-indent:-1.00em;font-size:6pt;margin-bottom:0pt;margin-top:0pt">Tangible common equity </p> </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:6pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:center"> <p style="font-family:Trebuchet MS;font-size:6pt;margin-bottom:0pt;margin-top:0pt">T </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:6pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:6pt;margin-bottom:0pt;margin-top:0pt">$13,893&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:6pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:6pt;margin-bottom:0pt;margin-top:0pt">$13,976&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:6pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:6pt;margin-bottom:0pt;margin-top:0pt">$13,389&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:6pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:6pt;margin-bottom:0pt;margin-top:0pt">($83) </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:6pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:6pt;margin-bottom:0pt;margin-top:0pt">(1%)&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:6pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:6pt;margin-bottom:0pt;margin-top:0pt">$504&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:6pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:6pt;margin-bottom:0pt;margin-top:0pt">4%&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:6pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:6pt;margin-bottom:0pt;margin-top:0pt">$13,893&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:6pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:6pt;margin-bottom:0pt;margin-top:0pt">$13,389&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:6pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:6pt;margin-bottom:0pt;margin-top:0pt">$504&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:6pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:6pt;margin-bottom:0pt;margin-top:0pt">4%&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td> </tr>
<tr style="font-size:0pt;page-break-inside:avoid;">
<td style="vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;padding-right:2pt;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="border-bottom:3px double #000000;vertical-align:bottom;">&#160;</td>
<td style="border-bottom:3px double #000000;vertical-align:bottom;">&#160;</td>
<td style="padding-right:2pt;vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="border-bottom:3px double #000000;vertical-align:bottom;">&#160;</td>
<td style="border-bottom:3px double #000000;vertical-align:bottom;">&#160;</td>
<td style="padding-right:2pt;vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="border-bottom:3px double #000000;vertical-align:bottom;">&#160;</td>
<td style="border-bottom:3px double #000000;vertical-align:bottom;">&#160;</td>
<td style="padding-right:2pt;vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="border-bottom:3px double #000000;vertical-align:bottom;">&#160;</td>
<td style="border-bottom:3px double #000000;vertical-align:bottom;">&#160;</td>
<td style="padding-right:2pt;vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;padding-right:2pt;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="border-bottom:3px double #000000;vertical-align:bottom;">&#160;</td>
<td style="border-bottom:3px double #000000;vertical-align:bottom;">&#160;</td>
<td style="padding-right:2pt;vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;padding-right:2pt;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="border-bottom:3px double #000000;vertical-align:bottom;">&#160;</td>
<td style="border-bottom:3px double #000000;vertical-align:bottom;">&#160;</td>
<td style="padding-right:2pt;vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="border-bottom:3px double #000000;vertical-align:bottom;">&#160;</td>
<td style="border-bottom:3px double #000000;vertical-align:bottom;">&#160;</td>
<td style="padding-right:2pt;vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="border-bottom:3px double #000000;vertical-align:bottom;">&#160;</td>
<td style="border-bottom:3px double #000000;vertical-align:bottom;">&#160;</td>
<td style="padding-right:2pt;vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;padding-right:2pt;">&#160;</td> </tr>
<tr style="page-break-inside:avoid;font-size:6pt;">
<td style="vertical-align:top;padding:0;"> <p style="font-family:Trebuchet MS;margin-left:1.00em;text-align:left;text-indent:-1.00em;font-size:6pt;margin-bottom:0pt;margin-top:0pt">Tangible book value per common share </p> </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:6pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:center"> <p style="font-family:Trebuchet MS;font-size:6pt;margin-bottom:0pt;margin-top:0pt">T/S </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:6pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:6pt;margin-bottom:0pt;margin-top:0pt">$32.08&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:6pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:6pt;margin-bottom:0pt;margin-top:0pt">$31.48&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:6pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:6pt;margin-bottom:0pt;margin-top:0pt">$28.73&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:6pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:6pt;margin-bottom:0pt;margin-top:0pt">$0.60&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:6pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:6pt;margin-bottom:0pt;margin-top:0pt">2%&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:6pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:6pt;margin-bottom:0pt;margin-top:0pt">$3.35&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:6pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:6pt;margin-bottom:0pt;margin-top:0pt">12%&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:6pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:6pt;margin-bottom:0pt;margin-top:0pt">$32.08&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:6pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:6pt;margin-bottom:0pt;margin-top:0pt">$28.73&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:6pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:6pt;margin-bottom:0pt;margin-top:0pt">$3.35&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:6pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:6pt;margin-bottom:0pt;margin-top:0pt">12%&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td> </tr>
<tr style="background-color:#cceeff;page-break-inside:avoid;font-size:6pt;">
<td style="vertical-align:top;padding:0;"> <p style="font-family:Trebuchet MS;font-weight:bold;margin-left:0.00em;text-align:left;text-indent:0.00em;font-size:6pt;margin-bottom:0pt;margin-top:0pt">Net income per average common share - basic and diluted and net income per average common share - basic and diluted, Underlying: </p> </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-weight:bold;font-size:6pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:center"> <p style="font-family:Trebuchet MS;font-weight:bold;font-size:6pt;margin-bottom:0pt;margin-top:0pt"></p> </td>
<td style="vertical-align:bottom;font-weight:bold;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-weight:bold;font-size:6pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-weight:bold;font-size:6pt;margin-bottom:0pt;margin-top:0pt"></p> </td>
<td style="vertical-align:bottom;font-weight:bold;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-weight:bold;font-size:6pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-weight:bold;font-size:6pt;margin-bottom:0pt;margin-top:0pt"></p> </td>
<td style="vertical-align:bottom;font-weight:bold;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-weight:bold;font-size:6pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-weight:bold;font-size:6pt;margin-bottom:0pt;margin-top:0pt"></p> </td>
<td style="vertical-align:bottom;font-weight:bold;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-weight:bold;font-size:6pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-weight:bold;font-size:6pt;margin-bottom:0pt;margin-top:0pt"></p> </td>
<td style="vertical-align:bottom;font-weight:bold;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-weight:bold;font-size:6pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-weight:bold;font-size:6pt;margin-bottom:0pt;margin-top:0pt"></p> </td>
<td style="vertical-align:bottom;font-weight:bold;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-weight:bold;font-size:6pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-weight:bold;font-size:6pt;margin-bottom:0pt;margin-top:0pt"></p> </td>
<td style="vertical-align:bottom;font-weight:bold;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-weight:bold;font-size:6pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-weight:bold;font-size:6pt;margin-bottom:0pt;margin-top:0pt"></p> </td>
<td style="vertical-align:bottom;font-weight:bold;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-weight:bold;font-size:6pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-weight:bold;font-size:6pt;margin-bottom:0pt;margin-top:0pt"></p> </td>
<td style="vertical-align:bottom;font-weight:bold;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-weight:bold;font-size:6pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-weight:bold;font-size:6pt;margin-bottom:0pt;margin-top:0pt"></p> </td>
<td style="vertical-align:bottom;font-weight:bold;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-weight:bold;font-size:6pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-weight:bold;font-size:6pt;margin-bottom:0pt;margin-top:0pt"></p> </td>
<td style="vertical-align:bottom;font-weight:bold;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-weight:bold;font-size:6pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-weight:bold;font-size:6pt;margin-bottom:0pt;margin-top:0pt"></p> </td>
<td style="vertical-align:bottom;font-weight:bold;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td> </tr>
<tr style="page-break-inside:avoid;font-size:6pt;">
<td style="vertical-align:top;padding:0;"> <p style="font-family:Trebuchet MS;margin-left:0.00em;text-align:left;text-indent:0.00em;font-size:6pt;margin-bottom:0pt;margin-top:0pt">Average common shares outstanding - basic (GAAP) </p> </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:6pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:center"> <p style="font-family:Trebuchet MS;font-size:6pt;margin-bottom:0pt;margin-top:0pt">U </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:6pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:6pt;margin-bottom:0pt;margin-top:0pt">434,684,606&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:6pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:6pt;margin-bottom:0pt;margin-top:0pt">445,703,987&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:6pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:6pt;margin-bottom:0pt;margin-top:0pt">467,338,825&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:6pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:6pt;margin-bottom:0pt;margin-top:0pt">(11,019,381) </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:6pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:6pt;margin-bottom:0pt;margin-top:0pt">(2%)&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:6pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:6pt;margin-bottom:0pt;margin-top:0pt">(32,654,219) </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:6pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:6pt;margin-bottom:0pt;margin-top:0pt">(7%)&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:6pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:6pt;margin-bottom:0pt;margin-top:0pt">449,731,453&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:6pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:6pt;margin-bottom:0pt;margin-top:0pt">478,822,072&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:6pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:6pt;margin-bottom:0pt;margin-top:0pt">(29,090,619) </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:6pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:6pt;margin-bottom:0pt;margin-top:0pt">(6%)&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td> </tr>
<tr style="background-color:#cceeff;page-break-inside:avoid;font-size:6pt;">
<td style="vertical-align:top;padding:0;"> <p style="font-family:Trebuchet MS;margin-left:0.00em;text-align:left;text-indent:0.00em;font-size:6pt;margin-bottom:0pt;margin-top:0pt">Average common shares outstanding - diluted (GAAP) </p> </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:6pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:center"> <p style="font-family:Trebuchet MS;font-size:6pt;margin-bottom:0pt;margin-top:0pt">V </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:6pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:6pt;margin-bottom:0pt;margin-top:0pt">436,500,829&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:6pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:6pt;margin-bottom:0pt;margin-top:0pt">447,134,595&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:6pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:6pt;margin-bottom:0pt;margin-top:0pt">469,103,134&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:6pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:6pt;margin-bottom:0pt;margin-top:0pt">(10,633,766) </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:6pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:6pt;margin-bottom:0pt;margin-top:0pt">(2)&#160;&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:6pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:6pt;margin-bottom:0pt;margin-top:0pt">(32,602,305) </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:6pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:6pt;margin-bottom:0pt;margin-top:0pt">(7)&#160;&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:6pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:6pt;margin-bottom:0pt;margin-top:0pt">451,213,701&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:6pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:6pt;margin-bottom:0pt;margin-top:0pt">480,430,741&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:6pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:6pt;margin-bottom:0pt;margin-top:0pt">(29,217,040) </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:6pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:6pt;margin-bottom:0pt;margin-top:0pt">(6)&#160;&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td> </tr>
<tr style="page-break-inside:avoid;font-size:6pt;">
<td style="vertical-align:top;padding:0;"> <p style="font-family:Trebuchet MS;margin-left:0.00em;text-align:left;text-indent:0.00em;font-size:6pt;margin-bottom:0pt;margin-top:0pt">Net income per average common share - basic (GAAP) </p> </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:6pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:center"> <p style="font-family:Trebuchet MS;font-size:6pt;margin-bottom:0pt;margin-top:0pt">M/U </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:6pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:6pt;margin-bottom:0pt;margin-top:0pt">$0.98&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:6pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:6pt;margin-bottom:0pt;margin-top:0pt">$0.97&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:6pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:6pt;margin-bottom:0pt;margin-top:0pt">$0.96&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:6pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:6pt;margin-bottom:0pt;margin-top:0pt">$0.01&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:6pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:6pt;margin-bottom:0pt;margin-top:0pt">1&#160;&#160;&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:6pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:6pt;margin-bottom:0pt;margin-top:0pt">$0.02&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:6pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:6pt;margin-bottom:0pt;margin-top:0pt">2&#160;&#160;&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:6pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:6pt;margin-bottom:0pt;margin-top:0pt">$3.82&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:6pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:6pt;margin-bottom:0pt;margin-top:0pt">$3.54&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:6pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:6pt;margin-bottom:0pt;margin-top:0pt">$0.28&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:6pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:6pt;margin-bottom:0pt;margin-top:0pt">8&#160;&#160;&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td> </tr>
<tr style="background-color:#cceeff;page-break-inside:avoid;font-size:6pt;">
<td style="vertical-align:top;padding:0;"> <p style="font-family:Trebuchet MS;margin-left:0.00em;text-align:left;text-indent:0.00em;font-size:6pt;margin-bottom:0pt;margin-top:0pt">Net income per average common share - diluted (GAAP) </p> </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:6pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:center"> <p style="font-family:Trebuchet MS;font-size:6pt;margin-bottom:0pt;margin-top:0pt">M/V </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:6pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:6pt;margin-bottom:0pt;margin-top:0pt">0.98&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:6pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:6pt;margin-bottom:0pt;margin-top:0pt">0.97&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:6pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:6pt;margin-bottom:0pt;margin-top:0pt">0.96&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:6pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:6pt;margin-bottom:0pt;margin-top:0pt">0.01&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:6pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:6pt;margin-bottom:0pt;margin-top:0pt">1&#160;&#160;&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:6pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:6pt;margin-bottom:0pt;margin-top:0pt">0.02&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:6pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:6pt;margin-bottom:0pt;margin-top:0pt">2&#160;&#160;&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:6pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:6pt;margin-bottom:0pt;margin-top:0pt">3.81&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:6pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:6pt;margin-bottom:0pt;margin-top:0pt">3.52&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:6pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:6pt;margin-bottom:0pt;margin-top:0pt">0.29&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:6pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:6pt;margin-bottom:0pt;margin-top:0pt">8&#160;&#160;&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td> </tr>
<tr style="page-break-inside:avoid;font-size:6pt;">
<td style="vertical-align:top;padding:0;"> <p style="font-family:Trebuchet MS;margin-left:0.00em;text-align:left;text-indent:0.00em;font-size:6pt;margin-bottom:0pt;margin-top:0pt">Net income per average common share - basic, Underlying <span style="white-space:nowrap">(non-GAAP) </span></p> </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:6pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:center"> <p style="font-family:Trebuchet MS;font-size:6pt;margin-bottom:0pt;margin-top:0pt">N/U </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:6pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:6pt;margin-bottom:0pt;margin-top:0pt">0.99&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:6pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:6pt;margin-bottom:0pt;margin-top:0pt">0.98&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:6pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:6pt;margin-bottom:0pt;margin-top:0pt">0.98&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:6pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:6pt;margin-bottom:0pt;margin-top:0pt">0.01&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:6pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:6pt;margin-bottom:0pt;margin-top:0pt">1&#160;&#160;&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:6pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:6pt;margin-bottom:0pt;margin-top:0pt">0.01&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:6pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:6pt;margin-bottom:0pt;margin-top:0pt">1&#160;&#160;&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:6pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:6pt;margin-bottom:0pt;margin-top:0pt">3.86&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:6pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:6pt;margin-bottom:0pt;margin-top:0pt">3.57&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:6pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:6pt;margin-bottom:0pt;margin-top:0pt">0.29&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:6pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:6pt;margin-bottom:0pt;margin-top:0pt">8&#160;&#160;&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td> </tr>
<tr style="background-color:#cceeff;page-break-inside:avoid;font-size:6pt;">
<td style="vertical-align:top;padding:0;"> <p style="font-family:Trebuchet MS;margin-left:0.00em;text-align:left;text-indent:0.00em;font-size:6pt;margin-bottom:0pt;margin-top:0pt">Net income per average common share - diluted, Underlying <span style="white-space:nowrap">(non-GAAP) </span></p> </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:6pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:center"> <p style="font-family:Trebuchet MS;font-size:6pt;margin-bottom:0pt;margin-top:0pt">N/V </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:6pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:6pt;margin-bottom:0pt;margin-top:0pt">0.99&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:6pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:6pt;margin-bottom:0pt;margin-top:0pt">0.98&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:6pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:6pt;margin-bottom:0pt;margin-top:0pt">0.98&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:6pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:6pt;margin-bottom:0pt;margin-top:0pt">0.01&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:6pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:6pt;margin-bottom:0pt;margin-top:0pt">1&#160;&#160;&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:6pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:6pt;margin-bottom:0pt;margin-top:0pt">0.01&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:6pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:6pt;margin-bottom:0pt;margin-top:0pt">1&#160;&#160;&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:6pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:6pt;margin-bottom:0pt;margin-top:0pt">3.84&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:6pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:6pt;margin-bottom:0pt;margin-top:0pt">3.56&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:6pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:6pt;margin-bottom:0pt;margin-top:0pt">0.28&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:6pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:6pt;margin-bottom:0pt;margin-top:0pt">8&#160;&#160;&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td> </tr> </table> <div></div> <p style="margin-top:1em;margin-bottom:0em"></p>
 <div style="width:100%"> <p style="font-family:Trebuchet MS;text-align:center;font-size:10pt;margin-bottom:0pt;margin-top:0pt">24</p> <div></div> </div>

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 <div style="font-size:10pt;width:100%"> <p style="font-family:Trebuchet MS;text-align:justify;font-size:10pt;margin-bottom:0pt;margin-top:0pt"></p> <div></div> <p style="margin-top:1em;margin-bottom:0em"></p> <p style="font-family:Trebuchet MS;font-weight:bold;text-align:left;font-size:8pt;margin-bottom:0pt;margin-top:0pt">Key performance metrics, non-GAAP financial measures and reconciliations (continued) </p> <p style="font-family:Trebuchet MS;text-align:justify;font-size:8pt;margin-bottom:0pt;margin-top:0pt">(in millions, except share, per-share and ratio data) </p> <div></div> <p style="margin-top:1em;margin-bottom:0em"></p>
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<td style="vertical-align:bottom;"> <p style="font-family:Trebuchet MS;font-weight:bold;text-align:center;font-size:8pt;margin-bottom:0pt;margin-top:0pt"></p> </td>
<td style="vertical-align:bottom;">&#160;</td>
<td colspan="26" style="border-bottom:1pt solid #000000;vertical-align:bottom;"> <p style="font-family:Trebuchet MS;font-weight:bold;text-align:center;font-size:7pt;margin-bottom:0pt;margin-top:0pt">QUARTERLY TRENDS </p> </td>
<td>&#160;</td>
<td>&#160;</td>
<td colspan="14" style="border-bottom:1pt solid #000000;vertical-align:bottom;"> <p style="font-family:Trebuchet MS;font-weight:bold;text-align:center;font-size:7pt;margin-bottom:0pt;margin-top:0pt">FULL YEAR </p> </td>
<td>&#160;</td> </tr>
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<td style="vertical-align:bottom;"> <p style="font-family:Trebuchet MS;font-weight:bold;text-align:center;font-size:8pt;margin-bottom:0pt;margin-top:0pt"></p> </td>
<td style="vertical-align:bottom;">&#160;</td>
<td colspan="2" style="vertical-align:bottom;"> <p style="font-family:Trebuchet MS;font-weight:bold;text-align:center;font-size:7pt;margin-bottom:0pt;margin-top:0pt"></p> </td>
<td style="vertical-align:bottom;font-weight:bold;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td colspan="2" style="vertical-align:bottom;"> <p style="font-family:Trebuchet MS;font-weight:bold;text-align:center;font-size:7pt;margin-bottom:0pt;margin-top:0pt"></p> </td>
<td style="vertical-align:bottom;font-weight:bold;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td colspan="2" style="vertical-align:bottom;"> <p style="font-family:Trebuchet MS;font-weight:bold;text-align:center;font-size:7pt;margin-bottom:0pt;margin-top:0pt"></p> </td>
<td style="vertical-align:bottom;font-weight:bold;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td colspan="14" style="border-bottom:1pt solid #000000;vertical-align:bottom;"> <p style="font-family:Trebuchet MS;font-weight:bold;text-align:center;font-size:7pt;margin-bottom:0pt;margin-top:0pt">4Q19 Change </p> </td>
<td>&#160;</td>
<td>&#160;</td>
<td colspan="2" style="vertical-align:bottom;"> <p style="font-family:Trebuchet MS;font-weight:bold;text-align:center;font-size:7pt;margin-bottom:0pt;margin-top:0pt"></p> </td>
<td style="vertical-align:bottom;font-weight:bold;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td colspan="2" style="vertical-align:bottom;"> <p style="font-family:Trebuchet MS;font-weight:bold;text-align:center;font-size:7pt;margin-bottom:0pt;margin-top:0pt"></p> </td>
<td style="vertical-align:bottom;font-weight:bold;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td colspan="6" style="border-bottom:1pt solid #000000;vertical-align:bottom;"> <p style="font-family:Trebuchet MS;font-weight:bold;text-align:center;font-size:7pt;margin-bottom:0pt;margin-top:0pt">2019 Change </p> </td>
<td>&#160;</td> </tr>
<tr style="page-break-inside:avoid;font-size:7pt;">
<td style="vertical-align:bottom;"> <p style="font-family:Trebuchet MS;font-weight:bold;text-align:center;font-size:8pt;margin-bottom:0pt;margin-top:0pt"></p> </td>
<td style="vertical-align:bottom;">&#160;</td>
<td colspan="2" style="border-bottom:1pt solid #000000;vertical-align:bottom;"> <p style="font-family:Trebuchet MS;font-weight:bold;text-align:center;font-size:7pt;margin-bottom:0pt;margin-top:0pt">4Q19 </p> </td>
<td style="vertical-align:bottom;font-weight:bold;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td colspan="2" style="border-bottom:1pt solid #000000;vertical-align:bottom;"> <p style="font-family:Trebuchet MS;font-weight:bold;text-align:center;font-size:7pt;margin-bottom:0pt;margin-top:0pt">3Q19 </p> </td>
<td style="vertical-align:bottom;font-weight:bold;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td colspan="2" style="border-bottom:1pt solid #000000;vertical-align:bottom;"> <p style="font-family:Trebuchet MS;font-weight:bold;text-align:center;font-size:7pt;margin-bottom:0pt;margin-top:0pt">4Q18 </p> </td>
<td style="vertical-align:bottom;font-weight:bold;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td colspan="6" style="border-bottom:1pt solid #000000;vertical-align:bottom;"> <p style="font-family:Trebuchet MS;font-weight:bold;text-align:center;font-size:7pt;margin-bottom:0pt;margin-top:0pt">3Q19 </p> </td>
<td>&#160;</td>
<td>&#160;</td>
<td colspan="6" style="border-bottom:1pt solid #000000;vertical-align:bottom;"> <p style="font-family:Trebuchet MS;font-weight:bold;text-align:center;font-size:7pt;margin-bottom:0pt;margin-top:0pt">4Q18 </p> </td>
<td>&#160;</td>
<td>&#160;</td>
<td colspan="2" style="border-bottom:1pt solid #000000;vertical-align:bottom;"> <p style="font-family:Trebuchet MS;font-weight:bold;text-align:center;font-size:7pt;margin-bottom:0pt;margin-top:0pt">2019 </p> </td>
<td style="vertical-align:bottom;font-weight:bold;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td colspan="2" style="border-bottom:1pt solid #000000;vertical-align:bottom;"> <p style="font-family:Trebuchet MS;font-weight:bold;text-align:center;font-size:7pt;margin-bottom:0pt;margin-top:0pt">2018 </p> </td>
<td style="vertical-align:bottom;font-weight:bold;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td colspan="6" style="border-bottom:1pt solid #000000;vertical-align:bottom;"> <p style="font-family:Trebuchet MS;font-weight:bold;text-align:center;font-size:7pt;margin-bottom:0pt;margin-top:0pt">2018 </p> </td>
<td>&#160;</td> </tr>
<tr style="page-break-inside:avoid;font-size:7pt;">
<td style="vertical-align:bottom;"> <p style="font-family:Trebuchet MS;font-weight:bold;text-align:center;font-size:8pt;margin-bottom:0pt;margin-top:0pt"></p> </td>
<td style="vertical-align:bottom;">&#160;</td>
<td colspan="2" style="vertical-align:bottom;"> <p style="font-family:Trebuchet MS;font-weight:bold;text-align:center;font-size:7pt;margin-bottom:0pt;margin-top:0pt"></p> </td>
<td style="vertical-align:bottom;font-weight:bold;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td colspan="2" style="vertical-align:bottom;"> <p style="font-family:Trebuchet MS;font-weight:bold;text-align:center;font-size:7pt;margin-bottom:0pt;margin-top:0pt"></p> </td>
<td style="vertical-align:bottom;font-weight:bold;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td colspan="2" style="vertical-align:bottom;"> <p style="font-family:Trebuchet MS;font-weight:bold;text-align:center;font-size:7pt;margin-bottom:0pt;margin-top:0pt"></p> </td>
<td style="vertical-align:bottom;font-weight:bold;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td colspan="2" style="border-bottom:1pt solid #000000;white-space:nowrap;vertical-align:bottom;"> <p style="font-family:Trebuchet MS;font-weight:bold;text-align:center;font-size:7pt;margin-bottom:0pt;margin-top:0pt">$/bps </p> </td>
<td style="white-space:nowrap;vertical-align:bottom;font-weight:bold;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td colspan="2" style="border-bottom:1pt solid #000000;vertical-align:bottom;"> <p style="font-family:Trebuchet MS;font-weight:bold;text-align:center;font-size:7pt;margin-bottom:0pt;margin-top:0pt">% </p> </td>
<td style="vertical-align:bottom;font-weight:bold;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td colspan="2" style="border-bottom:1pt solid #000000;white-space:nowrap;vertical-align:bottom;"> <p style="font-family:Trebuchet MS;font-weight:bold;text-align:center;font-size:7pt;margin-bottom:0pt;margin-top:0pt">$/bps </p> </td>
<td style="white-space:nowrap;vertical-align:bottom;font-weight:bold;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td colspan="2" style="border-bottom:1pt solid #000000;vertical-align:bottom;"> <p style="font-family:Trebuchet MS;font-weight:bold;text-align:center;font-size:7pt;margin-bottom:0pt;margin-top:0pt">% </p> </td>
<td style="vertical-align:bottom;font-weight:bold;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td colspan="2" style="vertical-align:bottom;"> <p style="font-family:Trebuchet MS;font-weight:bold;text-align:center;font-size:7pt;margin-bottom:0pt;margin-top:0pt"></p> </td>
<td style="vertical-align:bottom;font-weight:bold;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td colspan="2" style="vertical-align:bottom;"> <p style="font-family:Trebuchet MS;font-weight:bold;text-align:center;font-size:7pt;margin-bottom:0pt;margin-top:0pt"></p> </td>
<td style="vertical-align:bottom;font-weight:bold;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td colspan="2" style="border-bottom:1pt solid #000000;vertical-align:bottom;"> <p style="font-family:Trebuchet MS;font-weight:bold;text-align:center;font-size:7pt;margin-bottom:0pt;margin-top:0pt">$/bps </p> </td>
<td style="vertical-align:bottom;font-weight:bold;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td colspan="2" style="border-bottom:1pt solid #000000;vertical-align:bottom;"> <p style="font-family:Trebuchet MS;font-weight:bold;text-align:center;font-size:7pt;margin-bottom:0pt;margin-top:0pt">% </p> </td>
<td style="vertical-align:bottom;font-weight:bold;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td> </tr>
<tr style="background-color:#cceeff;page-break-inside:avoid;font-size:7pt;">
<td style="vertical-align:top;padding:0;"> <p style="font-family:Trebuchet MS;font-weight:bold;margin-left:1.00em;text-align:left;text-indent:-1.00em;font-size:7pt;margin-bottom:0pt;margin-top:0pt">Mortgage banking fees, Underlying: </p> </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-weight:bold;font-size:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-weight:bold;font-size:7pt;margin-bottom:0pt;margin-top:0pt"></p> </td>
<td style="vertical-align:bottom;font-weight:bold;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-weight:bold;font-size:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-weight:bold;font-size:7pt;margin-bottom:0pt;margin-top:0pt"></p> </td>
<td style="vertical-align:bottom;font-weight:bold;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-weight:bold;font-size:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-weight:bold;font-size:7pt;margin-bottom:0pt;margin-top:0pt"></p> </td>
<td style="vertical-align:bottom;font-weight:bold;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-weight:bold;font-size:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-weight:bold;font-size:7pt;margin-bottom:0pt;margin-top:0pt"></p> </td>
<td style="vertical-align:bottom;font-weight:bold;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-weight:bold;font-size:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-weight:bold;font-size:7pt;margin-bottom:0pt;margin-top:0pt"></p> </td>
<td style="vertical-align:bottom;font-weight:bold;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-weight:bold;font-size:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-weight:bold;font-size:7pt;margin-bottom:0pt;margin-top:0pt"></p> </td>
<td style="vertical-align:bottom;font-weight:bold;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-weight:bold;font-size:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-weight:bold;font-size:7pt;margin-bottom:0pt;margin-top:0pt"></p> </td>
<td style="vertical-align:bottom;font-weight:bold;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-weight:bold;font-size:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-weight:bold;font-size:7pt;margin-bottom:0pt;margin-top:0pt"></p> </td>
<td style="vertical-align:bottom;font-weight:bold;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-weight:bold;font-size:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-weight:bold;font-size:7pt;margin-bottom:0pt;margin-top:0pt"></p> </td>
<td style="vertical-align:bottom;font-weight:bold;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-weight:bold;font-size:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-weight:bold;font-size:7pt;margin-bottom:0pt;margin-top:0pt"></p> </td>
<td style="vertical-align:bottom;font-weight:bold;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-weight:bold;font-size:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-weight:bold;font-size:7pt;margin-bottom:0pt;margin-top:0pt"></p> </td>
<td style="vertical-align:bottom;font-weight:bold;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td> </tr>
<tr style="page-break-inside:avoid;font-size:7pt;">
<td style="vertical-align:top;padding:0;"> <p style="font-family:Trebuchet MS;margin-left:1.00em;text-align:left;text-indent:-1.00em;font-size:7pt;margin-bottom:0pt;margin-top:0pt">Mortgage banking fees (GAAP) </p> </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt">$80&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt">$117&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt">$51&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt">($37)&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt">(32%)&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt">$29&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt">57%&#160;&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt">$302&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt">$152&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt">$150&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt">99%&#160;&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td> </tr>
<tr style="background-color:#cceeff;page-break-inside:avoid;font-size:7pt;">
<td style="vertical-align:top;padding:0;"> <p style="font-family:Trebuchet MS;margin-left:1.00em;text-align:left;text-indent:-1.00em;font-size:7pt;margin-bottom:0pt;margin-top:0pt">Less: Notable items </p> </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt">&#8212;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt">&#8212;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt">(4)&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt">&#8212;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt">&#8212;&#160;&#160;&#160;&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt">4&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt">100&#160;&#160;&#160;&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt">&#8212;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt">(4)&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt">4&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt">100&#160;&#160;&#160;&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td> </tr>
<tr style="font-size:0pt;page-break-inside:avoid;">
<td style="vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="border-bottom:1px solid #000000;vertical-align:bottom;">&#160;</td>
<td style="border-bottom:1px solid #000000;vertical-align:bottom;">&#160;</td>
<td style="padding-right:2pt;vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="border-bottom:1px solid #000000;vertical-align:bottom;">&#160;</td>
<td style="border-bottom:1px solid #000000;vertical-align:bottom;">&#160;</td>
<td style="padding-right:2pt;vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="border-bottom:1px solid #000000;vertical-align:bottom;">&#160;</td>
<td style="border-bottom:1px solid #000000;vertical-align:bottom;">&#160;</td>
<td style="padding-right:2pt;vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="border-bottom:1px solid #000000;vertical-align:bottom;">&#160;</td>
<td style="border-bottom:1px solid #000000;vertical-align:bottom;">&#160;</td>
<td style="padding-right:2pt;vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;padding-right:2pt;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="border-bottom:1px solid #000000;vertical-align:bottom;">&#160;</td>
<td style="border-bottom:1px solid #000000;vertical-align:bottom;">&#160;</td>
<td style="padding-right:2pt;vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;padding-right:2pt;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="border-bottom:1px solid #000000;vertical-align:bottom;">&#160;</td>
<td style="border-bottom:1px solid #000000;vertical-align:bottom;">&#160;</td>
<td style="padding-right:2pt;vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="border-bottom:1px solid #000000;vertical-align:bottom;">&#160;</td>
<td style="border-bottom:1px solid #000000;vertical-align:bottom;">&#160;</td>
<td style="padding-right:2pt;vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="border-bottom:1px solid #000000;vertical-align:bottom;">&#160;</td>
<td style="border-bottom:1px solid #000000;vertical-align:bottom;">&#160;</td>
<td style="padding-right:2pt;vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;padding-right:2pt;">&#160;</td> </tr>
<tr style="page-break-inside:avoid;font-size:7pt;">
<td style="vertical-align:top;padding:0;"> <p style="font-family:Trebuchet MS;margin-left:1.00em;text-align:left;text-indent:-1.00em;font-size:7pt;margin-bottom:0pt;margin-top:0pt">Mortgage banking fees, Underlying <span style="white-space:nowrap">(non-GAAP) </span></p> </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt">$80&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt">$117&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt">$55&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt">($37)&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt">(32%)&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt">$25&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt">45%&#160;&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt">$302&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt">$156&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt">$146&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt">94%&#160;&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td> </tr>
<tr style="font-size:0pt;page-break-inside:avoid;">
<td style="vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="border-bottom:3px double #000000;vertical-align:bottom;">&#160;</td>
<td style="border-bottom:3px double #000000;vertical-align:bottom;">&#160;</td>
<td style="padding-right:2pt;vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="border-bottom:3px double #000000;vertical-align:bottom;">&#160;</td>
<td style="border-bottom:3px double #000000;vertical-align:bottom;">&#160;</td>
<td style="padding-right:2pt;vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="border-bottom:3px double #000000;vertical-align:bottom;">&#160;</td>
<td style="border-bottom:3px double #000000;vertical-align:bottom;">&#160;</td>
<td style="padding-right:2pt;vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="border-bottom:3px double #000000;vertical-align:bottom;">&#160;</td>
<td style="border-bottom:3px double #000000;vertical-align:bottom;">&#160;</td>
<td style="padding-right:2pt;vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;padding-right:2pt;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="border-bottom:3px double #000000;vertical-align:bottom;">&#160;</td>
<td style="border-bottom:3px double #000000;vertical-align:bottom;">&#160;</td>
<td style="padding-right:2pt;vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;padding-right:2pt;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="border-bottom:3px double #000000;vertical-align:bottom;">&#160;</td>
<td style="border-bottom:3px double #000000;vertical-align:bottom;">&#160;</td>
<td style="padding-right:2pt;vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="border-bottom:3px double #000000;vertical-align:bottom;">&#160;</td>
<td style="border-bottom:3px double #000000;vertical-align:bottom;">&#160;</td>
<td style="padding-right:2pt;vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="border-bottom:3px double #000000;vertical-align:bottom;">&#160;</td>
<td style="border-bottom:3px double #000000;vertical-align:bottom;">&#160;</td>
<td style="padding-right:2pt;vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;padding-right:2pt;">&#160;</td> </tr>
<tr style="background-color:#cceeff;page-break-inside:avoid;font-size:7pt;">
<td style="vertical-align:top;padding:0;"> <p style="font-family:Trebuchet MS;font-weight:bold;margin-left:1.00em;text-align:left;text-indent:-1.00em;font-size:7pt;margin-bottom:0pt;margin-top:0pt">Other income, Underlying: </p> </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-weight:bold;font-size:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-weight:bold;font-size:7pt;margin-bottom:0pt;margin-top:0pt"></p> </td>
<td style="vertical-align:bottom;font-weight:bold;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-weight:bold;font-size:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-weight:bold;font-size:7pt;margin-bottom:0pt;margin-top:0pt"></p> </td>
<td style="vertical-align:bottom;font-weight:bold;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-weight:bold;font-size:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-weight:bold;font-size:7pt;margin-bottom:0pt;margin-top:0pt"></p> </td>
<td style="vertical-align:bottom;font-weight:bold;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-weight:bold;font-size:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-weight:bold;font-size:7pt;margin-bottom:0pt;margin-top:0pt"></p> </td>
<td style="vertical-align:bottom;font-weight:bold;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-weight:bold;font-size:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-weight:bold;font-size:7pt;margin-bottom:0pt;margin-top:0pt"></p> </td>
<td style="vertical-align:bottom;font-weight:bold;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-weight:bold;font-size:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-weight:bold;font-size:7pt;margin-bottom:0pt;margin-top:0pt"></p> </td>
<td style="vertical-align:bottom;font-weight:bold;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-weight:bold;font-size:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-weight:bold;font-size:7pt;margin-bottom:0pt;margin-top:0pt"></p> </td>
<td style="vertical-align:bottom;font-weight:bold;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-weight:bold;font-size:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-weight:bold;font-size:7pt;margin-bottom:0pt;margin-top:0pt"></p> </td>
<td style="vertical-align:bottom;font-weight:bold;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-weight:bold;font-size:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-weight:bold;font-size:7pt;margin-bottom:0pt;margin-top:0pt"></p> </td>
<td style="vertical-align:bottom;font-weight:bold;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-weight:bold;font-size:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-weight:bold;font-size:7pt;margin-bottom:0pt;margin-top:0pt"></p> </td>
<td style="vertical-align:bottom;font-weight:bold;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-weight:bold;font-size:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-weight:bold;font-size:7pt;margin-bottom:0pt;margin-top:0pt"></p> </td>
<td style="vertical-align:bottom;font-weight:bold;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td> </tr>
<tr style="page-break-inside:avoid;font-size:7pt;">
<td style="vertical-align:top;padding:0;"> <p style="font-family:Trebuchet MS;margin-left:1.00em;text-align:left;text-indent:-1.00em;font-size:7pt;margin-bottom:0pt;margin-top:0pt">Other income (GAAP) </p> </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt">$16&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt">$20&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt">$15&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt">($4)&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt">(20%)&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt">$1&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt">7%&#160;&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt">$89&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt">$64&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt">$25&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt">39%&#160;&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td> </tr>
<tr style="background-color:#cceeff;page-break-inside:avoid;font-size:7pt;">
<td style="vertical-align:top;padding:0;"> <p style="font-family:Trebuchet MS;margin-left:1.00em;text-align:left;text-indent:-1.00em;font-size:7pt;margin-bottom:0pt;margin-top:0pt">Less: Notable items </p> </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt">&#8212;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt">&#8212;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt">(1)&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt">&#8212;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt">&#8212;&#160;&#160;&#160;&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt">1&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt">100&#160;&#160;&#160;&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt">&#8212;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt">(1)&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt">1&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt">100&#160;&#160;&#160;&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td> </tr>
<tr style="font-size:0pt;page-break-inside:avoid;">
<td style="vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="border-bottom:1px solid #000000;vertical-align:bottom;">&#160;</td>
<td style="border-bottom:1px solid #000000;vertical-align:bottom;">&#160;</td>
<td style="padding-right:2pt;vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="border-bottom:1px solid #000000;vertical-align:bottom;">&#160;</td>
<td style="border-bottom:1px solid #000000;vertical-align:bottom;">&#160;</td>
<td style="padding-right:2pt;vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="border-bottom:1px solid #000000;vertical-align:bottom;">&#160;</td>
<td style="border-bottom:1px solid #000000;vertical-align:bottom;">&#160;</td>
<td style="padding-right:2pt;vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="border-bottom:1px solid #000000;vertical-align:bottom;">&#160;</td>
<td style="border-bottom:1px solid #000000;vertical-align:bottom;">&#160;</td>
<td style="padding-right:2pt;vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;padding-right:2pt;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="border-bottom:1px solid #000000;vertical-align:bottom;">&#160;</td>
<td style="border-bottom:1px solid #000000;vertical-align:bottom;">&#160;</td>
<td style="padding-right:2pt;vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;padding-right:2pt;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="border-bottom:1px solid #000000;vertical-align:bottom;">&#160;</td>
<td style="border-bottom:1px solid #000000;vertical-align:bottom;">&#160;</td>
<td style="padding-right:2pt;vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="border-bottom:1px solid #000000;vertical-align:bottom;">&#160;</td>
<td style="border-bottom:1px solid #000000;vertical-align:bottom;">&#160;</td>
<td style="padding-right:2pt;vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="border-bottom:1px solid #000000;vertical-align:bottom;">&#160;</td>
<td style="border-bottom:1px solid #000000;vertical-align:bottom;">&#160;</td>
<td style="padding-right:2pt;vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;padding-right:2pt;">&#160;</td> </tr>
<tr style="page-break-inside:avoid;font-size:7pt;">
<td style="vertical-align:top;padding:0;"> <p style="font-family:Trebuchet MS;margin-left:1.00em;text-align:left;text-indent:-1.00em;font-size:7pt;margin-bottom:0pt;margin-top:0pt">Other income, Underlying <span style="white-space:nowrap">(non-GAAP) </span></p> </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt">$16&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt">$20&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt">$16&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt">($4)&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt">(20%)&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt">$&#8212;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt">&#8212; %&#160;&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt">$89&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt">$65&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt">$24&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt">37%&#160;&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td> </tr>
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<td style="padding-right:2pt;vertical-align:bottom;">&#160;</td>
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<td style="padding-right:2pt;vertical-align:bottom;">&#160;</td>
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<td style="vertical-align:bottom;padding-right:2pt;">&#160;</td> </tr>
<tr style="background-color:#cceeff;page-break-inside:avoid;font-size:7pt;">
<td style="vertical-align:top;padding:0;"> <p style="font-family:Trebuchet MS;font-weight:bold;margin-left:1.00em;text-align:left;text-indent:-1.00em;font-size:7pt;margin-bottom:0pt;margin-top:0pt">Salaries and employee benefits, Underlying: </p> </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-weight:bold;font-size:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-weight:bold;font-size:7pt;margin-bottom:0pt;margin-top:0pt"></p> </td>
<td style="vertical-align:bottom;font-weight:bold;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-weight:bold;font-size:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-weight:bold;font-size:7pt;margin-bottom:0pt;margin-top:0pt"></p> </td>
<td style="vertical-align:bottom;font-weight:bold;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-weight:bold;font-size:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-weight:bold;font-size:7pt;margin-bottom:0pt;margin-top:0pt"></p> </td>
<td style="vertical-align:bottom;font-weight:bold;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
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<td style="vertical-align:bottom;font-family:Trebuchet MS;font-weight:bold;font-size:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-weight:bold;font-size:7pt;margin-bottom:0pt;margin-top:0pt"></p> </td>
<td style="vertical-align:bottom;font-weight:bold;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-weight:bold;font-size:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-weight:bold;font-size:7pt;margin-bottom:0pt;margin-top:0pt"></p> </td>
<td style="vertical-align:bottom;font-weight:bold;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-weight:bold;font-size:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-weight:bold;font-size:7pt;margin-bottom:0pt;margin-top:0pt"></p> </td>
<td style="vertical-align:bottom;font-weight:bold;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
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<td style="vertical-align:bottom;font-family:Trebuchet MS;font-weight:bold;font-size:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-weight:bold;font-size:7pt;margin-bottom:0pt;margin-top:0pt"></p> </td>
<td style="vertical-align:bottom;font-weight:bold;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
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<td style="vertical-align:bottom;font-family:Trebuchet MS;font-weight:bold;font-size:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-weight:bold;font-size:7pt;margin-bottom:0pt;margin-top:0pt"></p> </td>
<td style="vertical-align:bottom;font-weight:bold;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-weight:bold;font-size:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-weight:bold;font-size:7pt;margin-bottom:0pt;margin-top:0pt"></p> </td>
<td style="vertical-align:bottom;font-weight:bold;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
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<td style="vertical-align:bottom;font-family:Trebuchet MS;font-weight:bold;font-size:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-weight:bold;font-size:7pt;margin-bottom:0pt;margin-top:0pt"></p> </td>
<td style="vertical-align:bottom;font-weight:bold;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-weight:bold;font-size:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-weight:bold;font-size:7pt;margin-bottom:0pt;margin-top:0pt"></p> </td>
<td style="vertical-align:bottom;font-weight:bold;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td> </tr>
<tr style="page-break-inside:avoid;font-size:7pt;">
<td style="vertical-align:top;padding:0;"> <p style="font-family:Trebuchet MS;margin-left:1.00em;text-align:left;text-indent:-1.00em;font-size:7pt;margin-bottom:0pt;margin-top:0pt">Salaries and employee benefits (GAAP) </p> </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt">$502&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
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<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt">$508&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
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<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt">$483&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt">($6)&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt">(1%)&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
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<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt">$19&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
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<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt">4%&#160;&#160;&#160;</p> </td>
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<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt">$2,026&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt">$1,880&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt">$146&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt">8%&#160;&#160;&#160;</p> </td>
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<tr style="background-color:#cceeff;page-break-inside:avoid;font-size:7pt;">
<td style="vertical-align:top;padding:0;"> <p style="font-family:Trebuchet MS;margin-left:1.00em;text-align:left;text-indent:-1.00em;font-size:7pt;margin-bottom:0pt;margin-top:0pt">Less: Notable items </p> </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt">6&#160;&#160;</p> </td>
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<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt">5&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt">6&#160;&#160;</p> </td>
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<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt">1&#160;&#160;</p> </td>
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<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt">20&#160;&#160;&#160;&#160;&#160;</p> </td>
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<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt">&#8212;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
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<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt">&#8212;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
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<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt">14&#160;&#160;</p> </td>
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<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt">11&#160;&#160;</p> </td>
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<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt">3&#160;&#160;</p> </td>
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<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt">27&#160;&#160;&#160;&#160;&#160;</p> </td>
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<td style="vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;padding-right:2pt;">&#160;</td> </tr>
<tr style="page-break-inside:avoid;font-size:7pt;">
<td style="vertical-align:top;padding:0;"> <p style="font-family:Trebuchet MS;margin-left:1.00em;text-align:left;text-indent:-1.00em;font-size:7pt;margin-bottom:0pt;margin-top:0pt">Salaries and employee benefits, Underlying <span style="white-space:nowrap">(non-GAAP) </span></p> </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt">$496&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt">$503&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt">$477&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt">($7)&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt">(1%)&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt">$19&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt">4%&#160;&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt">$2,012&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt">$1,869&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt">$143&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt">8%&#160;&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td> </tr>
<tr style="font-size:0pt;page-break-inside:avoid;">
<td style="vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="border-bottom:3px double #000000;vertical-align:bottom;">&#160;</td>
<td style="border-bottom:3px double #000000;vertical-align:bottom;">&#160;</td>
<td style="padding-right:2pt;vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="border-bottom:3px double #000000;vertical-align:bottom;">&#160;</td>
<td style="border-bottom:3px double #000000;vertical-align:bottom;">&#160;</td>
<td style="padding-right:2pt;vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="border-bottom:3px double #000000;vertical-align:bottom;">&#160;</td>
<td style="border-bottom:3px double #000000;vertical-align:bottom;">&#160;</td>
<td style="padding-right:2pt;vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="border-bottom:3px double #000000;vertical-align:bottom;">&#160;</td>
<td style="border-bottom:3px double #000000;vertical-align:bottom;">&#160;</td>
<td style="padding-right:2pt;vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;padding-right:2pt;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="border-bottom:3px double #000000;vertical-align:bottom;">&#160;</td>
<td style="border-bottom:3px double #000000;vertical-align:bottom;">&#160;</td>
<td style="padding-right:2pt;vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;padding-right:2pt;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="border-bottom:3px double #000000;vertical-align:bottom;">&#160;</td>
<td style="border-bottom:3px double #000000;vertical-align:bottom;">&#160;</td>
<td style="padding-right:2pt;vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="border-bottom:3px double #000000;vertical-align:bottom;">&#160;</td>
<td style="border-bottom:3px double #000000;vertical-align:bottom;">&#160;</td>
<td style="padding-right:2pt;vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="border-bottom:3px double #000000;vertical-align:bottom;">&#160;</td>
<td style="border-bottom:3px double #000000;vertical-align:bottom;">&#160;</td>
<td style="padding-right:2pt;vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;padding-right:2pt;">&#160;</td> </tr>
<tr style="background-color:#cceeff;page-break-inside:avoid;font-size:7pt;">
<td style="vertical-align:top;padding:0;"> <p style="font-family:Trebuchet MS;font-weight:bold;margin-left:1.00em;text-align:left;text-indent:-1.00em;font-size:7pt;margin-bottom:0pt;margin-top:0pt">Equipment and software expense, Underlying<sup style="font-size:85%;vertical-align:top">1</sup>: </p> </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-weight:bold;font-size:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-weight:bold;font-size:7pt;margin-bottom:0pt;margin-top:0pt"></p> </td>
<td style="vertical-align:bottom;font-weight:bold;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-weight:bold;font-size:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-weight:bold;font-size:7pt;margin-bottom:0pt;margin-top:0pt"></p> </td>
<td style="vertical-align:bottom;font-weight:bold;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-weight:bold;font-size:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-weight:bold;font-size:7pt;margin-bottom:0pt;margin-top:0pt"></p> </td>
<td style="vertical-align:bottom;font-weight:bold;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-weight:bold;font-size:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-weight:bold;font-size:7pt;margin-bottom:0pt;margin-top:0pt"></p> </td>
<td style="vertical-align:bottom;font-weight:bold;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-weight:bold;font-size:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-weight:bold;font-size:7pt;margin-bottom:0pt;margin-top:0pt"></p> </td>
<td style="vertical-align:bottom;font-weight:bold;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-weight:bold;font-size:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-weight:bold;font-size:7pt;margin-bottom:0pt;margin-top:0pt"></p> </td>
<td style="vertical-align:bottom;font-weight:bold;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-weight:bold;font-size:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-weight:bold;font-size:7pt;margin-bottom:0pt;margin-top:0pt"></p> </td>
<td style="vertical-align:bottom;font-weight:bold;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-weight:bold;font-size:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-weight:bold;font-size:7pt;margin-bottom:0pt;margin-top:0pt"></p> </td>
<td style="vertical-align:bottom;font-weight:bold;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-weight:bold;font-size:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-weight:bold;font-size:7pt;margin-bottom:0pt;margin-top:0pt"></p> </td>
<td style="vertical-align:bottom;font-weight:bold;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-weight:bold;font-size:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-weight:bold;font-size:7pt;margin-bottom:0pt;margin-top:0pt"></p> </td>
<td style="vertical-align:bottom;font-weight:bold;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-weight:bold;font-size:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-weight:bold;font-size:7pt;margin-bottom:0pt;margin-top:0pt"></p> </td>
<td style="vertical-align:bottom;font-weight:bold;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td> </tr>
<tr style="page-break-inside:avoid;font-size:7pt;">
<td style="vertical-align:top;padding:0;"> <p style="font-family:Trebuchet MS;margin-left:1.00em;text-align:left;text-indent:-1.00em;font-size:7pt;margin-bottom:0pt;margin-top:0pt">Equipment and software expense<sup style="font-size:85%;vertical-align:top">&#32;</sup>(GAAP) </p> </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt">$133&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt">$130&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt">$124&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt">$3&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt">2%&#160;&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt">$9&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt">7%&#160;&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt">$514&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt">$464&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt">$50&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt">11%&#160;&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td> </tr>
<tr style="background-color:#cceeff;page-break-inside:avoid;font-size:7pt;">
<td style="vertical-align:top;padding:0;"> <p style="font-family:Trebuchet MS;margin-left:1.00em;text-align:left;text-indent:-1.00em;font-size:7pt;margin-bottom:0pt;margin-top:0pt">Less: Notable items </p> </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt">3&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt">&#8212;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt">3&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt">3&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt">100&#160;&#160;&#160;&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
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<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt">3&#160;&#160;</p> </td>
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<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt">&#8212;&#160;&#160;&#160;&#160;</p> </td>
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<td style="vertical-align:top;padding:0;"> <p style="font-family:Trebuchet MS;margin-left:1.00em;text-align:left;text-indent:-1.00em;font-size:7pt;margin-bottom:0pt;margin-top:0pt">Equipment and software expense, Underlying <span style="white-space:nowrap">(non-GAAP) </span></p> </td>
<td style="vertical-align:top;">&#160;</td>
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<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt">$130&#160;&#160;</p> </td>
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<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt">$130&#160;&#160;</p> </td>
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<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt">$121&#160;&#160;</p> </td>
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<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt">$&#8212;&#160;</p> </td>
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<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt">&#8212; %&#160;&#160;&#160;</p> </td>
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<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt">$9&#160;&#160;</p> </td>
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<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt">7%&#160;&#160;&#160;</p> </td>
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<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt">$511&#160;&#160;</p> </td>
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<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt">$461&#160;&#160;</p> </td>
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<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt">$50&#160;&#160;</p> </td>
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<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt">11%&#160;&#160;&#160;</p> </td>
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<td style="vertical-align:top;padding:0;"> <p style="font-family:Trebuchet MS;font-weight:bold;margin-left:1.00em;text-align:left;text-indent:-1.00em;font-size:7pt;margin-bottom:0pt;margin-top:0pt">Outside services, Underlying: </p> </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-weight:bold;font-size:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-weight:bold;font-size:7pt;margin-bottom:0pt;margin-top:0pt"></p> </td>
<td style="vertical-align:bottom;font-weight:bold;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
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<td style="vertical-align:bottom;font-family:Trebuchet MS;font-weight:bold;font-size:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
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<td style="vertical-align:bottom;font-weight:bold;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
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<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-weight:bold;font-size:7pt;margin-bottom:0pt;margin-top:0pt"></p> </td>
<td style="vertical-align:bottom;font-weight:bold;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
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<td style="vertical-align:bottom;font-family:Trebuchet MS;font-weight:bold;font-size:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-weight:bold;font-size:7pt;margin-bottom:0pt;margin-top:0pt"></p> </td>
<td style="vertical-align:bottom;font-weight:bold;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
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<td style="vertical-align:bottom;font-weight:bold;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
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<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-weight:bold;font-size:7pt;margin-bottom:0pt;margin-top:0pt"></p> </td>
<td style="vertical-align:bottom;font-weight:bold;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
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<td style="vertical-align:bottom;font-family:Trebuchet MS;font-weight:bold;font-size:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-weight:bold;font-size:7pt;margin-bottom:0pt;margin-top:0pt"></p> </td>
<td style="vertical-align:bottom;font-weight:bold;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-weight:bold;font-size:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-weight:bold;font-size:7pt;margin-bottom:0pt;margin-top:0pt"></p> </td>
<td style="vertical-align:bottom;font-weight:bold;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
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<td style="vertical-align:bottom;font-family:Trebuchet MS;font-weight:bold;font-size:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-weight:bold;font-size:7pt;margin-bottom:0pt;margin-top:0pt"></p> </td>
<td style="vertical-align:bottom;font-weight:bold;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-weight:bold;font-size:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-weight:bold;font-size:7pt;margin-bottom:0pt;margin-top:0pt"></p> </td>
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<td style="vertical-align:top;padding:0;"> <p style="font-family:Trebuchet MS;margin-left:1.00em;text-align:left;text-indent:-1.00em;font-size:7pt;margin-bottom:0pt;margin-top:0pt">Outside services (GAAP) </p> </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt">$142&#160;&#160;</p> </td>
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<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt">$128&#160;&#160;</p> </td>
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<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt">$135&#160;&#160;</p> </td>
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<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt">$14&#160;&#160;</p> </td>
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<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt">11%&#160;&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt">$7&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt">5%&#160;&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt">$498&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt">$447&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt">$51&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt">11%&#160;&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td> </tr>
<tr style="background-color:#cceeff;page-break-inside:avoid;font-size:7pt;">
<td style="vertical-align:top;padding:0;"> <p style="font-family:Trebuchet MS;margin-left:1.00em;text-align:left;text-indent:-1.00em;font-size:7pt;margin-bottom:0pt;margin-top:0pt">Less: Notable items </p> </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt">20&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt">14&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt">19&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt">6&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt">43&#160;&#160;&#160;&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt">1&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt">5&#160;&#160;&#160;&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt">43&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt">20&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt">23&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt">115&#160;&#160;&#160;&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td> </tr>
<tr style="font-size:0pt;page-break-inside:avoid;">
<td style="vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="border-bottom:1px solid #000000;vertical-align:bottom;">&#160;</td>
<td style="border-bottom:1px solid #000000;vertical-align:bottom;">&#160;</td>
<td style="padding-right:2pt;vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="border-bottom:1px solid #000000;vertical-align:bottom;">&#160;</td>
<td style="border-bottom:1px solid #000000;vertical-align:bottom;">&#160;</td>
<td style="padding-right:2pt;vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="border-bottom:1px solid #000000;vertical-align:bottom;">&#160;</td>
<td style="border-bottom:1px solid #000000;vertical-align:bottom;">&#160;</td>
<td style="padding-right:2pt;vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="border-bottom:1px solid #000000;vertical-align:bottom;">&#160;</td>
<td style="border-bottom:1px solid #000000;vertical-align:bottom;">&#160;</td>
<td style="padding-right:2pt;vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;padding-right:2pt;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="border-bottom:1px solid #000000;vertical-align:bottom;">&#160;</td>
<td style="border-bottom:1px solid #000000;vertical-align:bottom;">&#160;</td>
<td style="padding-right:2pt;vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;padding-right:2pt;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="border-bottom:1px solid #000000;vertical-align:bottom;">&#160;</td>
<td style="border-bottom:1px solid #000000;vertical-align:bottom;">&#160;</td>
<td style="padding-right:2pt;vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="border-bottom:1px solid #000000;vertical-align:bottom;">&#160;</td>
<td style="border-bottom:1px solid #000000;vertical-align:bottom;">&#160;</td>
<td style="padding-right:2pt;vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="border-bottom:1px solid #000000;vertical-align:bottom;">&#160;</td>
<td style="border-bottom:1px solid #000000;vertical-align:bottom;">&#160;</td>
<td style="padding-right:2pt;vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;padding-right:2pt;">&#160;</td> </tr>
<tr style="page-break-inside:avoid;font-size:7pt;">
<td style="vertical-align:top;padding:0;"> <p style="font-family:Trebuchet MS;margin-left:1.00em;text-align:left;text-indent:-1.00em;font-size:7pt;margin-bottom:0pt;margin-top:0pt">Outside services, Underlying <span style="white-space:nowrap">(non-GAAP) </span></p> </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt">$122&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt">$114&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt">$116&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt">$8&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt">7%&#160;&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt">$6&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt">5%&#160;&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt">$455&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt">$427&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt">$28&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt">7%&#160;&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td> </tr>
<tr style="font-size:0pt;page-break-inside:avoid;">
<td style="vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="border-bottom:3px double #000000;vertical-align:bottom;">&#160;</td>
<td style="border-bottom:3px double #000000;vertical-align:bottom;">&#160;</td>
<td style="padding-right:2pt;vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="border-bottom:3px double #000000;vertical-align:bottom;">&#160;</td>
<td style="border-bottom:3px double #000000;vertical-align:bottom;">&#160;</td>
<td style="padding-right:2pt;vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="border-bottom:3px double #000000;vertical-align:bottom;">&#160;</td>
<td style="border-bottom:3px double #000000;vertical-align:bottom;">&#160;</td>
<td style="padding-right:2pt;vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="border-bottom:3px double #000000;vertical-align:bottom;">&#160;</td>
<td style="border-bottom:3px double #000000;vertical-align:bottom;">&#160;</td>
<td style="padding-right:2pt;vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;padding-right:2pt;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="border-bottom:3px double #000000;vertical-align:bottom;">&#160;</td>
<td style="border-bottom:3px double #000000;vertical-align:bottom;">&#160;</td>
<td style="padding-right:2pt;vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;padding-right:2pt;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="border-bottom:3px double #000000;vertical-align:bottom;">&#160;</td>
<td style="border-bottom:3px double #000000;vertical-align:bottom;">&#160;</td>
<td style="padding-right:2pt;vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="border-bottom:3px double #000000;vertical-align:bottom;">&#160;</td>
<td style="border-bottom:3px double #000000;vertical-align:bottom;">&#160;</td>
<td style="padding-right:2pt;vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="border-bottom:3px double #000000;vertical-align:bottom;">&#160;</td>
<td style="border-bottom:3px double #000000;vertical-align:bottom;">&#160;</td>
<td style="padding-right:2pt;vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;padding-right:2pt;">&#160;</td> </tr>
<tr style="background-color:#cceeff;page-break-inside:avoid;font-size:7pt;">
<td style="vertical-align:top;padding:0;"> <p style="font-family:Trebuchet MS;font-weight:bold;margin-left:1.00em;text-align:left;text-indent:-1.00em;font-size:7pt;margin-bottom:0pt;margin-top:0pt">Occupancy, Underlying: </p> </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-weight:bold;font-size:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-weight:bold;font-size:7pt;margin-bottom:0pt;margin-top:0pt"></p> </td>
<td style="vertical-align:bottom;font-weight:bold;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-weight:bold;font-size:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-weight:bold;font-size:7pt;margin-bottom:0pt;margin-top:0pt"></p> </td>
<td style="vertical-align:bottom;font-weight:bold;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-weight:bold;font-size:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-weight:bold;font-size:7pt;margin-bottom:0pt;margin-top:0pt"></p> </td>
<td style="vertical-align:bottom;font-weight:bold;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-weight:bold;font-size:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-weight:bold;font-size:7pt;margin-bottom:0pt;margin-top:0pt"></p> </td>
<td style="vertical-align:bottom;font-weight:bold;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-weight:bold;font-size:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-weight:bold;font-size:7pt;margin-bottom:0pt;margin-top:0pt"></p> </td>
<td style="vertical-align:bottom;font-weight:bold;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-weight:bold;font-size:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-weight:bold;font-size:7pt;margin-bottom:0pt;margin-top:0pt"></p> </td>
<td style="vertical-align:bottom;font-weight:bold;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-weight:bold;font-size:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-weight:bold;font-size:7pt;margin-bottom:0pt;margin-top:0pt"></p> </td>
<td style="vertical-align:bottom;font-weight:bold;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-weight:bold;font-size:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-weight:bold;font-size:7pt;margin-bottom:0pt;margin-top:0pt"></p> </td>
<td style="vertical-align:bottom;font-weight:bold;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-weight:bold;font-size:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-weight:bold;font-size:7pt;margin-bottom:0pt;margin-top:0pt"></p> </td>
<td style="vertical-align:bottom;font-weight:bold;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-weight:bold;font-size:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-weight:bold;font-size:7pt;margin-bottom:0pt;margin-top:0pt"></p> </td>
<td style="vertical-align:bottom;font-weight:bold;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-weight:bold;font-size:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-weight:bold;font-size:7pt;margin-bottom:0pt;margin-top:0pt"></p> </td>
<td style="vertical-align:bottom;font-weight:bold;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td> </tr>
<tr style="page-break-inside:avoid;font-size:7pt;">
<td style="vertical-align:top;padding:0;"> <p style="font-family:Trebuchet MS;margin-left:1.00em;text-align:left;text-indent:-1.00em;font-size:7pt;margin-bottom:0pt;margin-top:0pt">Occupancy (GAAP) </p> </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt">$88&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt">$80&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt">$92&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt">$8&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt">10%&#160;&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt">($4)&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt">(4%)&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt">$333&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt">$333&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt">$&#8212;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt">&#8212; %&#160;&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td> </tr>
<tr style="background-color:#cceeff;page-break-inside:avoid;font-size:7pt;">
<td style="vertical-align:top;padding:0;"> <p style="font-family:Trebuchet MS;margin-left:1.00em;text-align:left;text-indent:-1.00em;font-size:7pt;margin-bottom:0pt;margin-top:0pt">Less: Notable items </p> </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt">8&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt">&#8212;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt">16&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt">8&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt">100&#160;&#160;&#160;&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt">(8)&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt">(50)&#160;&#160;&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt">8&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt">16&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt">(8)&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt">(50)&#160;&#160;&#160;&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td> </tr>
<tr style="font-size:0pt;page-break-inside:avoid;">
<td style="vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="border-bottom:1px solid #000000;vertical-align:bottom;">&#160;</td>
<td style="border-bottom:1px solid #000000;vertical-align:bottom;">&#160;</td>
<td style="padding-right:2pt;vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="border-bottom:1px solid #000000;vertical-align:bottom;">&#160;</td>
<td style="border-bottom:1px solid #000000;vertical-align:bottom;">&#160;</td>
<td style="padding-right:2pt;vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="border-bottom:1px solid #000000;vertical-align:bottom;">&#160;</td>
<td style="border-bottom:1px solid #000000;vertical-align:bottom;">&#160;</td>
<td style="padding-right:2pt;vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="border-bottom:1px solid #000000;vertical-align:bottom;">&#160;</td>
<td style="border-bottom:1px solid #000000;vertical-align:bottom;">&#160;</td>
<td style="padding-right:2pt;vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;padding-right:2pt;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="border-bottom:1px solid #000000;vertical-align:bottom;">&#160;</td>
<td style="border-bottom:1px solid #000000;vertical-align:bottom;">&#160;</td>
<td style="padding-right:2pt;vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;padding-right:2pt;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="border-bottom:1px solid #000000;vertical-align:bottom;">&#160;</td>
<td style="border-bottom:1px solid #000000;vertical-align:bottom;">&#160;</td>
<td style="padding-right:2pt;vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="border-bottom:1px solid #000000;vertical-align:bottom;">&#160;</td>
<td style="border-bottom:1px solid #000000;vertical-align:bottom;">&#160;</td>
<td style="padding-right:2pt;vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="border-bottom:1px solid #000000;vertical-align:bottom;">&#160;</td>
<td style="border-bottom:1px solid #000000;vertical-align:bottom;">&#160;</td>
<td style="padding-right:2pt;vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;padding-right:2pt;">&#160;</td> </tr>
<tr style="page-break-inside:avoid;font-size:7pt;">
<td style="vertical-align:top;padding:0;"> <p style="font-family:Trebuchet MS;margin-left:1.00em;text-align:left;text-indent:-1.00em;font-size:7pt;margin-bottom:0pt;margin-top:0pt">Occupancy, Underlying <span style="white-space:nowrap">(non-GAAP) </span></p> </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt">$80&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt">$80&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt">$76&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt">$&#8212;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt">&#8212; %&#160;&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt">$4&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt">5%&#160;&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt">$325&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt">$317&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt">$8&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt">3%&#160;&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td> </tr>
<tr style="font-size:0pt;page-break-inside:avoid;">
<td style="vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="border-bottom:3px double #000000;vertical-align:bottom;">&#160;</td>
<td style="border-bottom:3px double #000000;vertical-align:bottom;">&#160;</td>
<td style="padding-right:2pt;vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="border-bottom:3px double #000000;vertical-align:bottom;">&#160;</td>
<td style="border-bottom:3px double #000000;vertical-align:bottom;">&#160;</td>
<td style="padding-right:2pt;vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="border-bottom:3px double #000000;vertical-align:bottom;">&#160;</td>
<td style="border-bottom:3px double #000000;vertical-align:bottom;">&#160;</td>
<td style="padding-right:2pt;vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="border-bottom:3px double #000000;vertical-align:bottom;">&#160;</td>
<td style="border-bottom:3px double #000000;vertical-align:bottom;">&#160;</td>
<td style="padding-right:2pt;vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;padding-right:2pt;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="border-bottom:3px double #000000;vertical-align:bottom;">&#160;</td>
<td style="border-bottom:3px double #000000;vertical-align:bottom;">&#160;</td>
<td style="padding-right:2pt;vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;padding-right:2pt;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="border-bottom:3px double #000000;vertical-align:bottom;">&#160;</td>
<td style="border-bottom:3px double #000000;vertical-align:bottom;">&#160;</td>
<td style="padding-right:2pt;vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="border-bottom:3px double #000000;vertical-align:bottom;">&#160;</td>
<td style="border-bottom:3px double #000000;vertical-align:bottom;">&#160;</td>
<td style="padding-right:2pt;vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="border-bottom:3px double #000000;vertical-align:bottom;">&#160;</td>
<td style="border-bottom:3px double #000000;vertical-align:bottom;">&#160;</td>
<td style="padding-right:2pt;vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;padding-right:2pt;">&#160;</td> </tr>
<tr style="background-color:#cceeff;page-break-inside:avoid;font-size:7pt;">
<td style="vertical-align:top;padding:0;"> <p style="font-family:Trebuchet MS;font-weight:bold;margin-left:1.00em;text-align:left;text-indent:-1.00em;font-size:7pt;margin-bottom:0pt;margin-top:0pt">Other operating expense, Underlying: </p> </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-weight:bold;font-size:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-weight:bold;font-size:7pt;margin-bottom:0pt;margin-top:0pt"></p> </td>
<td style="vertical-align:bottom;font-weight:bold;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-weight:bold;font-size:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-weight:bold;font-size:7pt;margin-bottom:0pt;margin-top:0pt"></p> </td>
<td style="vertical-align:bottom;font-weight:bold;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-weight:bold;font-size:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-weight:bold;font-size:7pt;margin-bottom:0pt;margin-top:0pt"></p> </td>
<td style="vertical-align:bottom;font-weight:bold;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-weight:bold;font-size:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-weight:bold;font-size:7pt;margin-bottom:0pt;margin-top:0pt"></p> </td>
<td style="vertical-align:bottom;font-weight:bold;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-weight:bold;font-size:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-weight:bold;font-size:7pt;margin-bottom:0pt;margin-top:0pt"></p> </td>
<td style="vertical-align:bottom;font-weight:bold;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-weight:bold;font-size:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-weight:bold;font-size:7pt;margin-bottom:0pt;margin-top:0pt"></p> </td>
<td style="vertical-align:bottom;font-weight:bold;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-weight:bold;font-size:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-weight:bold;font-size:7pt;margin-bottom:0pt;margin-top:0pt"></p> </td>
<td style="vertical-align:bottom;font-weight:bold;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-weight:bold;font-size:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-weight:bold;font-size:7pt;margin-bottom:0pt;margin-top:0pt"></p> </td>
<td style="vertical-align:bottom;font-weight:bold;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-weight:bold;font-size:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-weight:bold;font-size:7pt;margin-bottom:0pt;margin-top:0pt"></p> </td>
<td style="vertical-align:bottom;font-weight:bold;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-weight:bold;font-size:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-weight:bold;font-size:7pt;margin-bottom:0pt;margin-top:0pt"></p> </td>
<td style="vertical-align:bottom;font-weight:bold;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-weight:bold;font-size:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-weight:bold;font-size:7pt;margin-bottom:0pt;margin-top:0pt"></p> </td>
<td style="vertical-align:bottom;font-weight:bold;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td> </tr>
<tr style="page-break-inside:avoid;font-size:7pt;">
<td style="vertical-align:top;padding:0;"> <p style="font-family:Trebuchet MS;margin-left:1.00em;text-align:left;text-indent:-1.00em;font-size:7pt;margin-bottom:0pt;margin-top:0pt">Other operating expense (GAAP) </p> </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt">$121&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt">$127&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt">$117&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt">($6)&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt">(5%)&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt">$4&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt">3%&#160;&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt">$476&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt">$495&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt">($19)&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt">(4%)&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td> </tr>
<tr style="background-color:#cceeff;page-break-inside:avoid;font-size:7pt;">
<td style="vertical-align:top;padding:0;"> <p style="font-family:Trebuchet MS;margin-left:1.00em;text-align:left;text-indent:-1.00em;font-size:7pt;margin-bottom:0pt;margin-top:0pt">Less: Notable items </p> </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt">&#8212;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt">&#8212;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt">1&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt">&#8212;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt">&#8212;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt">(1)&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt">(100)&#160;&#160;&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt">&#8212;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt">4&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt">(4)&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt">(100)&#160;&#160;&#160;&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td> </tr>
<tr style="font-size:0pt;page-break-inside:avoid;">
<td style="vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="border-bottom:1px solid #000000;vertical-align:bottom;">&#160;</td>
<td style="border-bottom:1px solid #000000;vertical-align:bottom;">&#160;</td>
<td style="padding-right:2pt;vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="border-bottom:1px solid #000000;vertical-align:bottom;">&#160;</td>
<td style="border-bottom:1px solid #000000;vertical-align:bottom;">&#160;</td>
<td style="padding-right:2pt;vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="border-bottom:1px solid #000000;vertical-align:bottom;">&#160;</td>
<td style="border-bottom:1px solid #000000;vertical-align:bottom;">&#160;</td>
<td style="padding-right:2pt;vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="border-bottom:1px solid #000000;vertical-align:bottom;">&#160;</td>
<td style="border-bottom:1px solid #000000;vertical-align:bottom;">&#160;</td>
<td style="padding-right:2pt;vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;padding-right:2pt;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="border-bottom:1px solid #000000;vertical-align:bottom;">&#160;</td>
<td style="border-bottom:1px solid #000000;vertical-align:bottom;">&#160;</td>
<td style="padding-right:2pt;vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;padding-right:2pt;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="border-bottom:1px solid #000000;vertical-align:bottom;">&#160;</td>
<td style="border-bottom:1px solid #000000;vertical-align:bottom;">&#160;</td>
<td style="padding-right:2pt;vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="border-bottom:1px solid #000000;vertical-align:bottom;">&#160;</td>
<td style="border-bottom:1px solid #000000;vertical-align:bottom;">&#160;</td>
<td style="padding-right:2pt;vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="border-bottom:1px solid #000000;vertical-align:bottom;">&#160;</td>
<td style="border-bottom:1px solid #000000;vertical-align:bottom;">&#160;</td>
<td style="padding-right:2pt;vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;padding-right:2pt;">&#160;</td> </tr>
<tr style="page-break-inside:avoid;font-size:7pt;">
<td style="vertical-align:top;padding:0;"> <p style="font-family:Trebuchet MS;margin-left:1.00em;text-align:left;text-indent:-1.00em;font-size:7pt;margin-bottom:0pt;margin-top:0pt">Other operating expense, Underlying <span style="white-space:nowrap">(non-GAAP) </span></p> </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt">$121&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt">$127&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt">$116&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt">($6)&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt">(5%)&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt">$5&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt">4%&#160;&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt">$476&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt">$491&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt">($15)&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt">(3%)&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td> </tr>
<tr style="font-size:0pt;page-break-inside:avoid;">
<td style="vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="border-bottom:3px double #000000;vertical-align:bottom;">&#160;</td>
<td style="border-bottom:3px double #000000;vertical-align:bottom;">&#160;</td>
<td style="padding-right:2pt;vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="border-bottom:3px double #000000;vertical-align:bottom;">&#160;</td>
<td style="border-bottom:3px double #000000;vertical-align:bottom;">&#160;</td>
<td style="padding-right:2pt;vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="border-bottom:3px double #000000;vertical-align:bottom;">&#160;</td>
<td style="border-bottom:3px double #000000;vertical-align:bottom;">&#160;</td>
<td style="padding-right:2pt;vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="border-bottom:3px double #000000;vertical-align:bottom;">&#160;</td>
<td style="border-bottom:3px double #000000;vertical-align:bottom;">&#160;</td>
<td style="padding-right:2pt;vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;padding-right:2pt;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="border-bottom:3px double #000000;vertical-align:bottom;">&#160;</td>
<td style="border-bottom:3px double #000000;vertical-align:bottom;">&#160;</td>
<td style="padding-right:2pt;vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;padding-right:2pt;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="border-bottom:3px double #000000;vertical-align:bottom;">&#160;</td>
<td style="border-bottom:3px double #000000;vertical-align:bottom;">&#160;</td>
<td style="padding-right:2pt;vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="border-bottom:3px double #000000;vertical-align:bottom;">&#160;</td>
<td style="border-bottom:3px double #000000;vertical-align:bottom;">&#160;</td>
<td style="padding-right:2pt;vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="border-bottom:3px double #000000;vertical-align:bottom;">&#160;</td>
<td style="border-bottom:3px double #000000;vertical-align:bottom;">&#160;</td>
<td style="padding-right:2pt;vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;padding-right:2pt;">&#160;</td> </tr> </table> <p style="font-family:Trebuchet MS;text-align:left;font-size:6pt;margin-bottom:0px;margin-top:6pt"><sup style="font-size:85%;vertical-align:top">1</sup> Beginning in the first quarter of 2019, we combined our presentation of equipment expense and amortization of software into equipment and software expense. Prior periods have been adjusted to conform with the current period presentation. </p> <div></div> <p style="margin-top:1em;margin-bottom:0em"></p>
 <div style="width:100%"> <p style="font-family:Trebuchet MS;text-align:center;font-size:10pt;margin-bottom:0pt;margin-top:0pt">25</p> <div></div> </div>

 </div>



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 <div style="font-size:10pt;width:100%"> <p style="font-family:Trebuchet MS;font-weight:bold;text-align:left;font-size:8pt;margin-bottom:0px;margin-top:6pt">Key performance metrics, <span style="white-space:nowrap">non-GAAP</span> financial measures and reconciliations - Underlying excluding Acquisitions </p> <p style="font-family:Trebuchet MS;text-align:left;font-size:8pt;margin-bottom:0pt;margin-top:0pt">(in millions, except share, <span style="white-space:nowrap">per-share</span> and ratio data) </p>
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<td style="vertical-align:bottom;"> <p style="font-family:Trebuchet MS;font-weight:bold;text-align:center;font-size:8pt;margin-bottom:0pt;margin-top:0pt"></p> </td>
<td style="vertical-align:bottom;">&#160;</td>
<td colspan="2" style="vertical-align:bottom;"> <p style="font-family:Trebuchet MS;font-weight:bold;text-align:center;font-size:8pt;margin-bottom:0pt;margin-top:0pt"></p> </td>
<td style="vertical-align:bottom;font-weight:bold;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td colspan="26" style="border-bottom:1pt solid #000000;vertical-align:bottom;"> <p style="font-family:Trebuchet MS;font-weight:bold;text-align:center;font-size:8pt;margin-bottom:0pt;margin-top:0pt">QUARTERLY TRENDS </p> </td>
<td>&#160;</td>
<td>&#160;</td>
<td colspan="14" style="border-bottom:1pt solid #000000;vertical-align:bottom;"> <p style="font-family:Trebuchet MS;font-weight:bold;text-align:center;font-size:8pt;margin-bottom:0pt;margin-top:0pt">FULL YEAR </p> </td>
<td>&#160;</td> </tr>
<tr style="page-break-inside:avoid;font-size:8pt;">
<td style="vertical-align:bottom;"> <p style="font-family:Trebuchet MS;font-weight:bold;text-align:center;font-size:8pt;margin-bottom:0pt;margin-top:0pt"></p> </td>
<td style="vertical-align:bottom;">&#160;</td>
<td colspan="2" style="vertical-align:bottom;"> <p style="font-family:Trebuchet MS;font-weight:bold;text-align:center;font-size:8pt;margin-bottom:0pt;margin-top:0pt"></p> </td>
<td style="vertical-align:bottom;font-weight:bold;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td colspan="2" style="vertical-align:bottom;"> <p style="font-family:Trebuchet MS;font-weight:bold;text-align:center;font-size:8pt;margin-bottom:0pt;margin-top:0pt"></p> </td>
<td style="vertical-align:bottom;font-weight:bold;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td colspan="2" style="vertical-align:bottom;"> <p style="font-family:Trebuchet MS;font-weight:bold;text-align:center;font-size:8pt;margin-bottom:0pt;margin-top:0pt"></p> </td>
<td style="vertical-align:bottom;font-weight:bold;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td colspan="2" style="vertical-align:bottom;"> <p style="font-family:Trebuchet MS;font-weight:bold;text-align:center;font-size:8pt;margin-bottom:0pt;margin-top:0pt"></p> </td>
<td style="vertical-align:bottom;font-weight:bold;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td colspan="22" style="border-bottom:1pt solid #000000;vertical-align:bottom;"> <p style="font-family:Trebuchet MS;font-weight:bold;text-align:center;font-size:8pt;margin-bottom:0pt;margin-top:0pt">4Q19&#160;Change </p> </td>
<td>&#160;</td>
<td>&#160;</td>
<td colspan="6" style="border-bottom:1pt solid #000000;vertical-align:bottom;"> <p style="font-family:Trebuchet MS;font-weight:bold;text-align:center;font-size:8pt;margin-bottom:0pt;margin-top:0pt">2019&#160;Change </p> </td>
<td>&#160;</td> </tr>
<tr style="page-break-inside:avoid;font-size:8pt;">
<td style="vertical-align:bottom;"> <p style="font-family:Trebuchet MS;font-weight:bold;text-align:center;font-size:8pt;margin-bottom:0pt;margin-top:0pt"></p> </td>
<td style="vertical-align:bottom;">&#160;</td>
<td colspan="2" style="vertical-align:bottom;"> <p style="font-family:Trebuchet MS;font-weight:bold;text-align:center;font-size:8pt;margin-bottom:0pt;margin-top:0pt"></p> </td>
<td style="vertical-align:bottom;font-weight:bold;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td colspan="2" style="border-bottom:1pt solid #000000;vertical-align:bottom;"> <p style="font-family:Trebuchet MS;font-weight:bold;text-align:center;font-size:8pt;margin-bottom:0pt;margin-top:0pt">4Q19 </p> </td>
<td style="vertical-align:bottom;font-weight:bold;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td colspan="2" style="border-bottom:1pt solid #000000;vertical-align:bottom;"> <p style="font-family:Trebuchet MS;font-weight:bold;text-align:center;font-size:8pt;margin-bottom:0pt;margin-top:0pt">3Q19 </p> </td>
<td style="vertical-align:bottom;font-weight:bold;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td colspan="2" style="border-bottom:1pt solid #000000;vertical-align:bottom;"> <p style="font-family:Trebuchet MS;font-weight:bold;text-align:center;font-size:8pt;margin-bottom:0pt;margin-top:0pt">4Q18 </p> </td>
<td style="vertical-align:bottom;font-weight:bold;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td colspan="6" style="border-bottom:1pt solid #000000;vertical-align:bottom;"> <p style="font-family:Trebuchet MS;font-weight:bold;text-align:center;font-size:8pt;margin-bottom:0pt;margin-top:0pt">3Q19 </p> </td>
<td>&#160;</td>
<td>&#160;</td>
<td colspan="6" style="border-bottom:1pt solid #000000;vertical-align:bottom;"> <p style="font-family:Trebuchet MS;font-weight:bold;text-align:center;font-size:8pt;margin-bottom:0pt;margin-top:0pt">4Q18 </p> </td>
<td>&#160;</td>
<td>&#160;</td>
<td colspan="2" style="border-bottom:1pt solid #000000;vertical-align:bottom;"> <p style="font-family:Trebuchet MS;font-weight:bold;text-align:center;font-size:8pt;margin-bottom:0pt;margin-top:0pt">2019 </p> </td>
<td style="vertical-align:bottom;font-weight:bold;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td colspan="2" style="border-bottom:1pt solid #000000;vertical-align:bottom;"> <p style="font-family:Trebuchet MS;font-weight:bold;text-align:center;font-size:8pt;margin-bottom:0pt;margin-top:0pt">2018 </p> </td>
<td style="vertical-align:bottom;font-weight:bold;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td colspan="6" style="border-bottom:1pt solid #000000;vertical-align:bottom;"> <p style="font-family:Trebuchet MS;font-weight:bold;text-align:center;font-size:8pt;margin-bottom:0pt;margin-top:0pt">2018 </p> </td>
<td>&#160;</td> </tr>
<tr style="page-break-inside:avoid;font-size:8pt;">
<td style="vertical-align:bottom;"> <p style="font-family:Trebuchet MS;font-weight:bold;text-align:center;font-size:8pt;margin-bottom:0pt;margin-top:0pt"></p> </td>
<td style="vertical-align:bottom;">&#160;</td>
<td colspan="2" style="vertical-align:bottom;"> <p style="font-family:Trebuchet MS;font-weight:bold;text-align:center;font-size:8pt;margin-bottom:0pt;margin-top:0pt"></p> </td>
<td style="vertical-align:bottom;font-weight:bold;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td colspan="2" style="vertical-align:bottom;"> <p style="font-family:Trebuchet MS;font-weight:bold;text-align:center;font-size:8pt;margin-bottom:0pt;margin-top:0pt"></p> </td>
<td style="vertical-align:bottom;font-weight:bold;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td colspan="2" style="vertical-align:bottom;"> <p style="font-family:Trebuchet MS;font-weight:bold;text-align:center;font-size:8pt;margin-bottom:0pt;margin-top:0pt"></p> </td>
<td style="vertical-align:bottom;font-weight:bold;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td colspan="2" style="vertical-align:bottom;"> <p style="font-family:Trebuchet MS;font-weight:bold;text-align:center;font-size:8pt;margin-bottom:0pt;margin-top:0pt"></p> </td>
<td style="vertical-align:bottom;font-weight:bold;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td colspan="2" style="border-bottom:1pt solid #000000;vertical-align:bottom;"> <p style="font-family:Trebuchet MS;font-weight:bold;text-align:center;font-size:8pt;margin-bottom:0pt;margin-top:0pt">$/bps </p> </td>
<td style="vertical-align:bottom;font-weight:bold;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td colspan="2" style="border-bottom:1pt solid #000000;vertical-align:bottom;"> <p style="font-family:Trebuchet MS;font-weight:bold;text-align:center;font-size:8pt;margin-bottom:0pt;margin-top:0pt">% </p> </td>
<td style="vertical-align:bottom;font-weight:bold;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td colspan="2" style="border-bottom:1pt solid #000000;vertical-align:bottom;"> <p style="font-family:Trebuchet MS;font-weight:bold;text-align:center;font-size:8pt;margin-bottom:0pt;margin-top:0pt">$/bps </p> </td>
<td style="vertical-align:bottom;font-weight:bold;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td colspan="2" style="border-bottom:1pt solid #000000;vertical-align:bottom;"> <p style="font-family:Trebuchet MS;font-weight:bold;text-align:center;font-size:8pt;margin-bottom:0pt;margin-top:0pt">% </p> </td>
<td style="vertical-align:bottom;font-weight:bold;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td colspan="2" style="vertical-align:bottom;"> <p style="font-family:Trebuchet MS;font-weight:bold;text-align:center;font-size:8pt;margin-bottom:0pt;margin-top:0pt"></p> </td>
<td style="vertical-align:bottom;font-weight:bold;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td colspan="2" style="vertical-align:bottom;"> <p style="font-family:Trebuchet MS;font-weight:bold;text-align:center;font-size:8pt;margin-bottom:0pt;margin-top:0pt"></p> </td>
<td style="vertical-align:bottom;font-weight:bold;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td colspan="2" style="border-bottom:1pt solid #000000;vertical-align:bottom;"> <p style="font-family:Trebuchet MS;font-weight:bold;text-align:center;font-size:8pt;margin-bottom:0pt;margin-top:0pt">$/bps </p> </td>
<td style="vertical-align:bottom;font-weight:bold;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td colspan="2" style="border-bottom:1pt solid #000000;vertical-align:bottom;"> <p style="font-family:Trebuchet MS;font-weight:bold;text-align:center;font-size:8pt;margin-bottom:0pt;margin-top:0pt">% </p> </td>
<td style="vertical-align:bottom;font-weight:bold;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td> </tr>
<tr style="background-color:#cceeff;page-break-inside:avoid;font-size:8pt;">
<td style="vertical-align:top;padding:0;"> <p style="font-family:Trebuchet MS;font-weight:bold;margin-left:0.00em;text-align:left;text-indent:0.00em;font-size:8pt;margin-bottom:0pt;margin-top:0pt">Noninterest income, Underlying excluding Acquisitions: </p> </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-weight:bold;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:center"> <p style="font-family:Trebuchet MS;font-weight:bold;font-size:8pt;margin-bottom:0pt;margin-top:0pt"></p> </td>
<td style="vertical-align:bottom;font-weight:bold;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-weight:bold;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-weight:bold;font-size:8pt;margin-bottom:0pt;margin-top:0pt"></p> </td>
<td style="vertical-align:bottom;font-weight:bold;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-weight:bold;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-weight:bold;font-size:8pt;margin-bottom:0pt;margin-top:0pt"></p> </td>
<td style="vertical-align:bottom;font-weight:bold;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-weight:bold;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-weight:bold;font-size:8pt;margin-bottom:0pt;margin-top:0pt"></p> </td>
<td style="vertical-align:bottom;font-weight:bold;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-weight:bold;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-weight:bold;font-size:8pt;margin-bottom:0pt;margin-top:0pt"></p> </td>
<td style="vertical-align:bottom;font-weight:bold;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-weight:bold;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-weight:bold;font-size:8pt;margin-bottom:0pt;margin-top:0pt"></p> </td>
<td style="vertical-align:bottom;font-weight:bold;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-weight:bold;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-weight:bold;font-size:8pt;margin-bottom:0pt;margin-top:0pt"></p> </td>
<td style="vertical-align:bottom;font-weight:bold;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-weight:bold;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-weight:bold;font-size:8pt;margin-bottom:0pt;margin-top:0pt"></p> </td>
<td style="vertical-align:bottom;font-weight:bold;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-weight:bold;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-weight:bold;font-size:8pt;margin-bottom:0pt;margin-top:0pt"></p> </td>
<td style="vertical-align:bottom;font-weight:bold;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-weight:bold;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-weight:bold;font-size:8pt;margin-bottom:0pt;margin-top:0pt"></p> </td>
<td style="vertical-align:bottom;font-weight:bold;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-weight:bold;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-weight:bold;font-size:8pt;margin-bottom:0pt;margin-top:0pt"></p> </td>
<td style="vertical-align:bottom;font-weight:bold;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-weight:bold;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-weight:bold;font-size:8pt;margin-bottom:0pt;margin-top:0pt"></p> </td>
<td style="vertical-align:bottom;font-weight:bold;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td> </tr>
<tr style="page-break-inside:avoid;font-size:8pt;">
<td style="vertical-align:top;padding:0;"> <p style="font-family:Trebuchet MS;margin-left:0.00em;text-align:left;text-indent:0.00em;font-size:8pt;margin-bottom:0pt;margin-top:0pt">Noninterest income (GAAP) </p> </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:center"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt"></p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">$494&#160;&#160;&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">$493&#160;&#160;&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">$421&#160;&#160;&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">$1&#160;&#160;&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">&#8212;&#160;%&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">$73&#160;&#160;&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">17&#160;%&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">$1,877&#160;&#160;&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">$1,596&#160;&#160;&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">$281&#160;&#160;&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">18&#160;%&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td> </tr>
<tr style="background-color:#cceeff;page-break-inside:avoid;font-size:8pt;">
<td style="vertical-align:top;padding:0;"> <p style="font-family:Trebuchet MS;margin-left:0.00em;text-align:left;text-indent:0.00em;font-size:8pt;margin-bottom:0pt;margin-top:0pt">Less: Notable items </p> </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:center"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt"></p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">&#8212;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">&#8212;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">(5)&#160;&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">&#8212;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">&#8212;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">5&#160;&#160;&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">100&#160;&#160;&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">&#8212;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">(5)&#160;&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">5&#160;&#160;&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">100&#160;&#160;&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td> </tr>
<tr style="page-break-inside:avoid;font-size:8pt;">
<td style="vertical-align:top;padding:0;"> <p style="font-family:Trebuchet MS;margin-left:0.00em;text-align:left;text-indent:0.00em;font-size:8pt;margin-bottom:0pt;margin-top:0pt">Less: Acquisitions impact </p> </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:center"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt"></p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">48&#160;&#160;&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">78&#160;&#160;&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">33&#160;&#160;&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">(30)&#160;&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">(38)&#160;&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">15&#160;&#160;&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">45&#160;&#160;&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">201&#160;&#160;&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">57&#160;&#160;&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">144&#160;&#160;&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">NM&#160;&#160;&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td> </tr>
<tr style="font-size:0pt;page-break-inside:avoid;">
<td style="vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;padding-right:2pt;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="border-bottom:1px solid #000000;vertical-align:bottom;">&#160;</td>
<td style="border-bottom:1px solid #000000;vertical-align:bottom;">&#160;</td>
<td style="padding-right:2pt;vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="border-bottom:1px solid #000000;vertical-align:bottom;">&#160;</td>
<td style="border-bottom:1px solid #000000;vertical-align:bottom;">&#160;</td>
<td style="padding-right:2pt;vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="border-bottom:1px solid #000000;vertical-align:bottom;">&#160;</td>
<td style="border-bottom:1px solid #000000;vertical-align:bottom;">&#160;</td>
<td style="padding-right:2pt;vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="border-bottom:1px solid #000000;vertical-align:bottom;">&#160;</td>
<td style="border-bottom:1px solid #000000;vertical-align:bottom;">&#160;</td>
<td style="padding-right:2pt;vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;padding-right:2pt;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="border-bottom:1px solid #000000;vertical-align:bottom;">&#160;</td>
<td style="border-bottom:1px solid #000000;vertical-align:bottom;">&#160;</td>
<td style="padding-right:2pt;vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;padding-right:2pt;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="border-bottom:1px solid #000000;vertical-align:bottom;">&#160;</td>
<td style="border-bottom:1px solid #000000;vertical-align:bottom;">&#160;</td>
<td style="padding-right:2pt;vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="border-bottom:1px solid #000000;vertical-align:bottom;">&#160;</td>
<td style="border-bottom:1px solid #000000;vertical-align:bottom;">&#160;</td>
<td style="padding-right:2pt;vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="border-bottom:1px solid #000000;vertical-align:bottom;">&#160;</td>
<td style="border-bottom:1px solid #000000;vertical-align:bottom;">&#160;</td>
<td style="padding-right:2pt;vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;padding-right:2pt;">&#160;</td> </tr>
<tr style="background-color:#cceeff;page-break-inside:avoid;font-size:8pt;">
<td style="vertical-align:top;padding:0;"> <p style="font-family:Trebuchet MS;margin-left:0.00em;text-align:left;text-indent:0.00em;font-size:8pt;margin-bottom:0pt;margin-top:0pt">Noninterest income, Underlying excluding Acquisitions <span style="white-space:nowrap">(non-GAAP) </span></p> </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:center"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt"></p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">$446&#160;&#160;&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">$415&#160;&#160;&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">$393&#160;&#160;&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">$31&#160;&#160;&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">7&#160;%&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">$53&#160;&#160;&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">13&#160;%&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">$1,676&#160;&#160;&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">$1,544&#160;&#160;&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">$132&#160;&#160;&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">9&#160;%&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td> </tr>
<tr style="font-size:0pt;page-break-inside:avoid;">
<td style="vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;padding-right:2pt;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="border-bottom:3px double #000000;vertical-align:bottom;">&#160;</td>
<td style="border-bottom:3px double #000000;vertical-align:bottom;">&#160;</td>
<td style="padding-right:2pt;vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="border-bottom:3px double #000000;vertical-align:bottom;">&#160;</td>
<td style="border-bottom:3px double #000000;vertical-align:bottom;">&#160;</td>
<td style="padding-right:2pt;vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="border-bottom:3px double #000000;vertical-align:bottom;">&#160;</td>
<td style="border-bottom:3px double #000000;vertical-align:bottom;">&#160;</td>
<td style="padding-right:2pt;vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="border-bottom:3px double #000000;vertical-align:bottom;">&#160;</td>
<td style="border-bottom:3px double #000000;vertical-align:bottom;">&#160;</td>
<td style="padding-right:2pt;vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;padding-right:2pt;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="border-bottom:3px double #000000;vertical-align:bottom;">&#160;</td>
<td style="border-bottom:3px double #000000;vertical-align:bottom;">&#160;</td>
<td style="padding-right:2pt;vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;padding-right:2pt;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="border-bottom:3px double #000000;vertical-align:bottom;">&#160;</td>
<td style="border-bottom:3px double #000000;vertical-align:bottom;">&#160;</td>
<td style="padding-right:2pt;vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="border-bottom:3px double #000000;vertical-align:bottom;">&#160;</td>
<td style="border-bottom:3px double #000000;vertical-align:bottom;">&#160;</td>
<td style="padding-right:2pt;vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="border-bottom:3px double #000000;vertical-align:bottom;">&#160;</td>
<td style="border-bottom:3px double #000000;vertical-align:bottom;">&#160;</td>
<td style="padding-right:2pt;vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;padding-right:2pt;">&#160;</td> </tr>
<tr style="page-break-inside:avoid;font-size:8pt;">
<td style="vertical-align:top;padding:0;"> <p style="font-family:Trebuchet MS;font-weight:bold;margin-left:0.00em;text-align:left;text-indent:0.00em;font-size:8pt;margin-bottom:0pt;margin-top:0pt">Total revenue, Underlying excluding Acquisitions: </p> </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-weight:bold;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:center"> <p style="font-family:Trebuchet MS;font-weight:bold;font-size:8pt;margin-bottom:0pt;margin-top:0pt"></p> </td>
<td style="vertical-align:bottom;font-weight:bold;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-weight:bold;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-weight:bold;font-size:8pt;margin-bottom:0pt;margin-top:0pt"></p> </td>
<td style="vertical-align:bottom;font-weight:bold;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-weight:bold;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-weight:bold;font-size:8pt;margin-bottom:0pt;margin-top:0pt"></p> </td>
<td style="vertical-align:bottom;font-weight:bold;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-weight:bold;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-weight:bold;font-size:8pt;margin-bottom:0pt;margin-top:0pt"></p> </td>
<td style="vertical-align:bottom;font-weight:bold;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-weight:bold;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-weight:bold;font-size:8pt;margin-bottom:0pt;margin-top:0pt"></p> </td>
<td style="vertical-align:bottom;font-weight:bold;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-weight:bold;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-weight:bold;font-size:8pt;margin-bottom:0pt;margin-top:0pt"></p> </td>
<td style="vertical-align:bottom;font-weight:bold;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-weight:bold;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-weight:bold;font-size:8pt;margin-bottom:0pt;margin-top:0pt"></p> </td>
<td style="vertical-align:bottom;font-weight:bold;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-weight:bold;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-weight:bold;font-size:8pt;margin-bottom:0pt;margin-top:0pt"></p> </td>
<td style="vertical-align:bottom;font-weight:bold;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-weight:bold;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-weight:bold;font-size:8pt;margin-bottom:0pt;margin-top:0pt"></p> </td>
<td style="vertical-align:bottom;font-weight:bold;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-weight:bold;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-weight:bold;font-size:8pt;margin-bottom:0pt;margin-top:0pt"></p> </td>
<td style="vertical-align:bottom;font-weight:bold;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-weight:bold;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-weight:bold;font-size:8pt;margin-bottom:0pt;margin-top:0pt"></p> </td>
<td style="vertical-align:bottom;font-weight:bold;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-weight:bold;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-weight:bold;font-size:8pt;margin-bottom:0pt;margin-top:0pt"></p> </td>
<td style="vertical-align:bottom;font-weight:bold;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td> </tr>
<tr style="background-color:#cceeff;page-break-inside:avoid;font-size:8pt;">
<td style="vertical-align:top;padding:0;"> <p style="font-family:Trebuchet MS;margin-left:0.00em;text-align:left;text-indent:0.00em;font-size:8pt;margin-bottom:0pt;margin-top:0pt">Total revenue (GAAP) </p> </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:center"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">A </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">$1,637&#160;&#160;&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">$1,638&#160;&#160;&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">$1,593&#160;&#160;&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">($1)&#160;&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">&#8212;&#160;%&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">$44&#160;&#160;&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">3&#160;%&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">$6,491&#160;&#160;&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">$6,128&#160;&#160;&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">$363&#160;&#160;&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">6&#160;%&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td> </tr>
<tr style="page-break-inside:avoid;font-size:8pt;">
<td style="vertical-align:top;padding:0;"> <p style="font-family:Trebuchet MS;margin-left:0.00em;text-align:left;text-indent:0.00em;font-size:8pt;margin-bottom:0pt;margin-top:0pt">Less: Notable items </p> </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:center"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt"></p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">&#8212;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">&#8212;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">(5)&#160;&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">&#8212;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">&#8212;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">5&#160;&#160;&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">100&#160;&#160;&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">&#8212;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">(5)&#160;&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">5&#160;&#160;&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">100&#160;&#160;&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td> </tr>
<tr style="background-color:#cceeff;page-break-inside:avoid;font-size:8pt;">
<td style="vertical-align:top;padding:0;"> <p style="font-family:Trebuchet MS;margin-left:0.00em;text-align:left;text-indent:0.00em;font-size:8pt;margin-bottom:0pt;margin-top:0pt">Less: Acquisitions impact </p> </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:center"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt"></p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">55&#160;&#160;&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">85&#160;&#160;&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">36&#160;&#160;&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">(30)&#160;&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">(35)&#160;&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">19&#160;&#160;&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">53&#160;&#160;&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">222&#160;&#160;&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">62&#160;&#160;&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">160&#160;&#160;&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">NM&#160;&#160;&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td> </tr>
<tr style="font-size:0pt;page-break-inside:avoid;">
<td style="vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;padding-right:2pt;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="border-bottom:1px solid #000000;vertical-align:bottom;">&#160;</td>
<td style="border-bottom:1px solid #000000;vertical-align:bottom;">&#160;</td>
<td style="padding-right:2pt;vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="border-bottom:1px solid #000000;vertical-align:bottom;">&#160;</td>
<td style="border-bottom:1px solid #000000;vertical-align:bottom;">&#160;</td>
<td style="padding-right:2pt;vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="border-bottom:1px solid #000000;vertical-align:bottom;">&#160;</td>
<td style="border-bottom:1px solid #000000;vertical-align:bottom;">&#160;</td>
<td style="padding-right:2pt;vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="border-bottom:1px solid #000000;vertical-align:bottom;">&#160;</td>
<td style="border-bottom:1px solid #000000;vertical-align:bottom;">&#160;</td>
<td style="padding-right:2pt;vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;padding-right:2pt;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="border-bottom:1px solid #000000;vertical-align:bottom;">&#160;</td>
<td style="border-bottom:1px solid #000000;vertical-align:bottom;">&#160;</td>
<td style="padding-right:2pt;vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;padding-right:2pt;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="border-bottom:1px solid #000000;vertical-align:bottom;">&#160;</td>
<td style="border-bottom:1px solid #000000;vertical-align:bottom;">&#160;</td>
<td style="padding-right:2pt;vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="border-bottom:1px solid #000000;vertical-align:bottom;">&#160;</td>
<td style="border-bottom:1px solid #000000;vertical-align:bottom;">&#160;</td>
<td style="padding-right:2pt;vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="border-bottom:1px solid #000000;vertical-align:bottom;">&#160;</td>
<td style="border-bottom:1px solid #000000;vertical-align:bottom;">&#160;</td>
<td style="padding-right:2pt;vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;padding-right:2pt;">&#160;</td> </tr>
<tr style="page-break-inside:avoid;font-size:8pt;">
<td style="vertical-align:top;padding:0;"> <p style="font-family:Trebuchet MS;margin-left:0.00em;text-align:left;text-indent:0.00em;font-size:8pt;margin-bottom:0pt;margin-top:0pt">Total revenue, Underlying excluding Acquisitions <span style="white-space:nowrap">(non-GAAP) </span></p> </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:center"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">B </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">$1,582&#160;&#160;&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">$1,553&#160;&#160;&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">$1,562&#160;&#160;&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">$29&#160;&#160;&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">2&#160;%&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">$20&#160;&#160;&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">1&#160;%&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
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<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">$6,269&#160;&#160;&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">$6,071&#160;&#160;&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">$198&#160;&#160;&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">3&#160;%&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td> </tr>
<tr style="font-size:0pt;page-break-inside:avoid;">
<td style="vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;padding-right:2pt;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="border-bottom:3px double #000000;vertical-align:bottom;">&#160;</td>
<td style="border-bottom:3px double #000000;vertical-align:bottom;">&#160;</td>
<td style="padding-right:2pt;vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="border-bottom:3px double #000000;vertical-align:bottom;">&#160;</td>
<td style="border-bottom:3px double #000000;vertical-align:bottom;">&#160;</td>
<td style="padding-right:2pt;vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="border-bottom:3px double #000000;vertical-align:bottom;">&#160;</td>
<td style="border-bottom:3px double #000000;vertical-align:bottom;">&#160;</td>
<td style="padding-right:2pt;vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="border-bottom:3px double #000000;vertical-align:bottom;">&#160;</td>
<td style="border-bottom:3px double #000000;vertical-align:bottom;">&#160;</td>
<td style="padding-right:2pt;vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
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<td style="vertical-align:bottom;padding-right:2pt;">&#160;</td>
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<td style="border-bottom:3px double #000000;vertical-align:bottom;">&#160;</td>
<td style="border-bottom:3px double #000000;vertical-align:bottom;">&#160;</td>
<td style="padding-right:2pt;vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;padding-right:2pt;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="border-bottom:3px double #000000;vertical-align:bottom;">&#160;</td>
<td style="border-bottom:3px double #000000;vertical-align:bottom;">&#160;</td>
<td style="padding-right:2pt;vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="border-bottom:3px double #000000;vertical-align:bottom;">&#160;</td>
<td style="border-bottom:3px double #000000;vertical-align:bottom;">&#160;</td>
<td style="padding-right:2pt;vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="border-bottom:3px double #000000;vertical-align:bottom;">&#160;</td>
<td style="border-bottom:3px double #000000;vertical-align:bottom;">&#160;</td>
<td style="padding-right:2pt;vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;padding-right:2pt;">&#160;</td> </tr>
<tr style="background-color:#cceeff;page-break-inside:avoid;font-size:8pt;">
<td style="vertical-align:top;padding:0;"> <p style="font-family:Trebuchet MS;font-weight:bold;margin-left:0.00em;text-align:left;text-indent:0.00em;font-size:8pt;margin-bottom:0pt;margin-top:0pt">Noninterest expense, Underlying excluding Acquisitions: </p> </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-weight:bold;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:center"> <p style="font-family:Trebuchet MS;font-weight:bold;font-size:8pt;margin-bottom:0pt;margin-top:0pt"></p> </td>
<td style="vertical-align:bottom;font-weight:bold;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-weight:bold;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-weight:bold;font-size:8pt;margin-bottom:0pt;margin-top:0pt"></p> </td>
<td style="vertical-align:bottom;font-weight:bold;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-weight:bold;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-weight:bold;font-size:8pt;margin-bottom:0pt;margin-top:0pt"></p> </td>
<td style="vertical-align:bottom;font-weight:bold;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-weight:bold;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-weight:bold;font-size:8pt;margin-bottom:0pt;margin-top:0pt"></p> </td>
<td style="vertical-align:bottom;font-weight:bold;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-weight:bold;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-weight:bold;font-size:8pt;margin-bottom:0pt;margin-top:0pt"></p> </td>
<td style="vertical-align:bottom;font-weight:bold;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-weight:bold;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-weight:bold;font-size:8pt;margin-bottom:0pt;margin-top:0pt"></p> </td>
<td style="vertical-align:bottom;font-weight:bold;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-weight:bold;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-weight:bold;font-size:8pt;margin-bottom:0pt;margin-top:0pt"></p> </td>
<td style="vertical-align:bottom;font-weight:bold;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-weight:bold;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-weight:bold;font-size:8pt;margin-bottom:0pt;margin-top:0pt"></p> </td>
<td style="vertical-align:bottom;font-weight:bold;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-weight:bold;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-weight:bold;font-size:8pt;margin-bottom:0pt;margin-top:0pt"></p> </td>
<td style="vertical-align:bottom;font-weight:bold;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-weight:bold;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-weight:bold;font-size:8pt;margin-bottom:0pt;margin-top:0pt"></p> </td>
<td style="vertical-align:bottom;font-weight:bold;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-weight:bold;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-weight:bold;font-size:8pt;margin-bottom:0pt;margin-top:0pt"></p> </td>
<td style="vertical-align:bottom;font-weight:bold;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-weight:bold;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-weight:bold;font-size:8pt;margin-bottom:0pt;margin-top:0pt"></p> </td>
<td style="vertical-align:bottom;font-weight:bold;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td> </tr>
<tr style="page-break-inside:avoid;font-size:8pt;">
<td style="vertical-align:top;padding:0;"> <p style="font-family:Trebuchet MS;margin-left:0.00em;text-align:left;text-indent:0.00em;font-size:8pt;margin-bottom:0pt;margin-top:0pt">Noninterest expense (GAAP) </p> </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:center"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">C </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">$986&#160;&#160;&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">$973&#160;&#160;&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">$951&#160;&#160;&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">$13&#160;&#160;&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">1&#160;%&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">$35&#160;&#160;&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">4&#160;%&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">$3,847&#160;&#160;&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">$3,619&#160;&#160;&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">$228&#160;&#160;&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">6&#160;%&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td> </tr>
<tr style="background-color:#cceeff;page-break-inside:avoid;font-size:8pt;">
<td style="vertical-align:top;padding:0;"> <p style="font-family:Trebuchet MS;margin-left:0.00em;text-align:left;text-indent:0.00em;font-size:8pt;margin-bottom:0pt;margin-top:0pt">Less: Notable items </p> </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:center"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt"></p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">37&#160;&#160;&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">19&#160;&#160;&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">45&#160;&#160;&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">18&#160;&#160;&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">95&#160;&#160;&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">(8)&#160;&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">(18)&#160;&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">68&#160;&#160;&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">54&#160;&#160;&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
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<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">14&#160;&#160;&#160;&#160;</p> </td>
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<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">26&#160;&#160;&#160;&#160;</p> </td>
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<td style="vertical-align:top;padding:0;"> <p style="font-family:Trebuchet MS;margin-left:0.00em;text-align:left;text-indent:0.00em;font-size:8pt;margin-bottom:0pt;margin-top:0pt">Less: Acquisitions impact </p> </td>
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<td style="vertical-align:bottom;text-align:center"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt"></p> </td>
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<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">40&#160;&#160;&#160;&#160;</p> </td>
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<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">39&#160;&#160;&#160;&#160;</p> </td>
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<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">35&#160;&#160;&#160;&#160;</p> </td>
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<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">1&#160;&#160;&#160;&#160;</p> </td>
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<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">3&#160;&#160;&#160;&#160;</p> </td>
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<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">5&#160;&#160;&#160;&#160;</p> </td>
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<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">14&#160;&#160;&#160;&#160;</p> </td>
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<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">149&#160;&#160;&#160;&#160;</p> </td>
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<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">60&#160;&#160;&#160;&#160;</p> </td>
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<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">89&#160;&#160;&#160;&#160;</p> </td>
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<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">148&#160;&#160;&#160;&#160;</p> </td>
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<td style="border-bottom:1px solid #000000;vertical-align:bottom;">&#160;</td>
<td style="border-bottom:1px solid #000000;vertical-align:bottom;">&#160;</td>
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<td style="border-bottom:1px solid #000000;vertical-align:bottom;">&#160;</td>
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<td style="padding-right:2pt;vertical-align:bottom;">&#160;</td>
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<td style="border-bottom:1px solid #000000;vertical-align:bottom;">&#160;</td>
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<td style="vertical-align:bottom;padding-right:2pt;">&#160;</td>
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<td style="padding-right:2pt;vertical-align:bottom;">&#160;</td>
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<td style="border-bottom:1px solid #000000;vertical-align:bottom;">&#160;</td>
<td style="border-bottom:1px solid #000000;vertical-align:bottom;">&#160;</td>
<td style="padding-right:2pt;vertical-align:bottom;">&#160;</td>
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<td style="border-bottom:1px solid #000000;vertical-align:bottom;">&#160;</td>
<td style="border-bottom:1px solid #000000;vertical-align:bottom;">&#160;</td>
<td style="padding-right:2pt;vertical-align:bottom;">&#160;</td>
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<tr style="background-color:#cceeff;page-break-inside:avoid;font-size:8pt;">
<td style="vertical-align:top;padding:0;"> <p style="font-family:Trebuchet MS;margin-left:0.00em;text-align:left;text-indent:0.00em;font-size:8pt;margin-bottom:0pt;margin-top:0pt">Noninterest expense, Underlying excluding Acquisitions <span style="white-space:nowrap">(non-GAAP) </span></p> </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:center"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">D </p> </td>
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<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">$909&#160;&#160;&#160;&#160;</p> </td>
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<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">$915&#160;&#160;&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
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<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">$871&#160;&#160;&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">($6)&#160;&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
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<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">(1%)&#160;&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
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<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">$38&#160;&#160;&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
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<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">4&#160;%&#160;</p> </td>
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<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">$3,630&#160;&#160;&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">$3,505&#160;&#160;&#160;&#160;</p> </td>
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<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">$125&#160;&#160;&#160;&#160;</p> </td>
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<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">4&#160;%&#160;</p> </td>
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<td style="padding-right:2pt;vertical-align:bottom;">&#160;</td>
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<td style="padding-right:2pt;vertical-align:bottom;">&#160;</td>
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<td style="padding-right:2pt;vertical-align:bottom;">&#160;</td>
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<td style="vertical-align:bottom;padding-right:2pt;">&#160;</td> </tr>
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<td style="vertical-align:top;padding:0;"> <p style="font-family:Trebuchet MS;font-weight:bold;margin-left:0.00em;text-align:left;text-indent:0.00em;font-size:8pt;margin-bottom:0pt;margin-top:0pt">Operating leverage: </p> </td>
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<td style="vertical-align:bottom;font-family:Trebuchet MS;font-weight:bold;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:center"> <p style="font-family:Trebuchet MS;font-weight:bold;font-size:8pt;margin-bottom:0pt;margin-top:0pt"></p> </td>
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<td style="vertical-align:bottom;font-family:Trebuchet MS;font-weight:bold;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-weight:bold;font-size:8pt;margin-bottom:0pt;margin-top:0pt"></p> </td>
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<td style="vertical-align:bottom;font-family:Trebuchet MS;font-weight:bold;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-weight:bold;font-size:8pt;margin-bottom:0pt;margin-top:0pt"></p> </td>
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<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-weight:bold;font-size:8pt;margin-bottom:0pt;margin-top:0pt"></p> </td>
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<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-weight:bold;font-size:8pt;margin-bottom:0pt;margin-top:0pt"></p> </td>
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<td style="vertical-align:bottom;font-family:Trebuchet MS;font-weight:bold;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-weight:bold;font-size:8pt;margin-bottom:0pt;margin-top:0pt"></p> </td>
<td style="vertical-align:bottom;font-weight:bold;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-weight:bold;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-weight:bold;font-size:8pt;margin-bottom:0pt;margin-top:0pt"></p> </td>
<td style="vertical-align:bottom;font-weight:bold;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-weight:bold;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-weight:bold;font-size:8pt;margin-bottom:0pt;margin-top:0pt"></p> </td>
<td style="vertical-align:bottom;font-weight:bold;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-weight:bold;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-weight:bold;font-size:8pt;margin-bottom:0pt;margin-top:0pt"></p> </td>
<td style="vertical-align:bottom;font-weight:bold;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-weight:bold;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-weight:bold;font-size:8pt;margin-bottom:0pt;margin-top:0pt"></p> </td>
<td style="vertical-align:bottom;font-weight:bold;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-weight:bold;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-weight:bold;font-size:8pt;margin-bottom:0pt;margin-top:0pt"></p> </td>
<td style="vertical-align:bottom;font-weight:bold;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-weight:bold;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-weight:bold;font-size:8pt;margin-bottom:0pt;margin-top:0pt"></p> </td>
<td style="vertical-align:bottom;font-weight:bold;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td> </tr>
<tr style="background-color:#cceeff;page-break-inside:avoid;font-size:8pt;">
<td style="vertical-align:top;padding:0;"> <p style="font-family:Trebuchet MS;margin-left:0.00em;text-align:left;text-indent:0.00em;font-size:8pt;margin-bottom:0pt;margin-top:0pt">Total revenue (GAAP) </p> </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:center"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">A </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">$1,637&#160;&#160;&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">$1,638&#160;&#160;&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">$1,593&#160;&#160;&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">($1)&#160;&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">(0.14%)&#160;&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">$44&#160;&#160;&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">2.73&#160;%&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">$6,491&#160;&#160;&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">$6,128&#160;&#160;&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">$363&#160;&#160;&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">5.91&#160;%&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td> </tr>
<tr style="page-break-inside:avoid;font-size:8pt;">
<td style="vertical-align:top;padding:0;"> <p style="font-family:Trebuchet MS;margin-left:0.00em;text-align:left;text-indent:0.00em;font-size:8pt;margin-bottom:0pt;margin-top:0pt">Less: Noninterest expense (GAAP) </p> </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:center"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">C </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">986&#160;&#160;&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">973&#160;&#160;&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">951&#160;&#160;&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">13&#160;&#160;&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">1.33&#160;&#160;&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">35&#160;&#160;&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">3.74&#160;&#160;&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">3,847&#160;&#160;&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">3,619&#160;&#160;&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">228&#160;&#160;&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">6.30&#160;&#160;&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td> </tr>
<tr style="font-size:0pt;page-break-inside:avoid;">
<td style="vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;padding-right:2pt;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;padding-right:2pt;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;padding-right:2pt;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;padding-right:2pt;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;padding-right:2pt;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="border-bottom:1px solid #000000;vertical-align:bottom;">&#160;</td>
<td style="border-bottom:1px solid #000000;vertical-align:bottom;">&#160;</td>
<td style="padding-right:2pt;vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;padding-right:2pt;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="border-bottom:1px solid #000000;vertical-align:bottom;">&#160;</td>
<td style="border-bottom:1px solid #000000;vertical-align:bottom;">&#160;</td>
<td style="padding-right:2pt;vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;padding-right:2pt;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;padding-right:2pt;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;padding-right:2pt;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="border-bottom:1px solid #000000;vertical-align:bottom;">&#160;</td>
<td style="border-bottom:1px solid #000000;vertical-align:bottom;">&#160;</td>
<td style="padding-right:2pt;vertical-align:bottom;">&#160;</td> </tr>
<tr style="background-color:#cceeff;page-break-inside:avoid;font-size:8pt;">
<td style="vertical-align:top;padding:0;"> <p style="font-family:Trebuchet MS;margin-left:0.00em;text-align:left;text-indent:0.00em;font-size:8pt;margin-bottom:0pt;margin-top:0pt">Operating leverage </p> </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:center"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt"></p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt"></p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt"></p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt"></p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt"></p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">(1.47%)&#160;&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt"></p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">(1.01%)&#160;&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt"></p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt"></p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt"></p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">(0.39%)&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td> </tr>
<tr style="font-size:0pt;page-break-inside:avoid;">
<td style="vertical-align:bottom;">&#160;</td>
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<td style="vertical-align:bottom;padding-right:2pt;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
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<td style="vertical-align:bottom;padding-right:2pt;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
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<td style="vertical-align:bottom;padding-right:2pt;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;padding-right:2pt;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;padding-right:2pt;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="border-bottom:3px double #000000;vertical-align:bottom;">&#160;</td>
<td style="border-bottom:3px double #000000;vertical-align:bottom;">&#160;</td>
<td style="padding-right:2pt;vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;padding-right:2pt;">&#160;</td>
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<td style="border-bottom:3px double #000000;vertical-align:bottom;">&#160;</td>
<td style="border-bottom:3px double #000000;vertical-align:bottom;">&#160;</td>
<td style="padding-right:2pt;vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;padding-right:2pt;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;padding-right:2pt;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;padding-right:2pt;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="border-bottom:3px double #000000;vertical-align:bottom;">&#160;</td>
<td style="border-bottom:3px double #000000;vertical-align:bottom;">&#160;</td>
<td style="padding-right:2pt;vertical-align:bottom;">&#160;</td> </tr>
<tr style="page-break-inside:avoid;font-size:8pt;">
<td style="vertical-align:top;padding:0;"> <p style="font-family:Trebuchet MS;font-weight:bold;margin-left:0.00em;text-align:left;text-indent:0.00em;font-size:8pt;margin-bottom:0pt;margin-top:0pt">Operating leverage, Underlying excluding Acquisitions: </p> </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-weight:bold;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:center"> <p style="font-family:Trebuchet MS;font-weight:bold;font-size:8pt;margin-bottom:0pt;margin-top:0pt"></p> </td>
<td style="vertical-align:bottom;font-weight:bold;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-weight:bold;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-weight:bold;font-size:8pt;margin-bottom:0pt;margin-top:0pt"></p> </td>
<td style="vertical-align:bottom;font-weight:bold;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-weight:bold;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-weight:bold;font-size:8pt;margin-bottom:0pt;margin-top:0pt"></p> </td>
<td style="vertical-align:bottom;font-weight:bold;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-weight:bold;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-weight:bold;font-size:8pt;margin-bottom:0pt;margin-top:0pt"></p> </td>
<td style="vertical-align:bottom;font-weight:bold;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-weight:bold;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-weight:bold;font-size:8pt;margin-bottom:0pt;margin-top:0pt"></p> </td>
<td style="vertical-align:bottom;font-weight:bold;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-weight:bold;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-weight:bold;font-size:8pt;margin-bottom:0pt;margin-top:0pt"></p> </td>
<td style="vertical-align:bottom;font-weight:bold;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-weight:bold;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-weight:bold;font-size:8pt;margin-bottom:0pt;margin-top:0pt"></p> </td>
<td style="vertical-align:bottom;font-weight:bold;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-weight:bold;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-weight:bold;font-size:8pt;margin-bottom:0pt;margin-top:0pt"></p> </td>
<td style="vertical-align:bottom;font-weight:bold;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-weight:bold;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-weight:bold;font-size:8pt;margin-bottom:0pt;margin-top:0pt"></p> </td>
<td style="vertical-align:bottom;font-weight:bold;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-weight:bold;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-weight:bold;font-size:8pt;margin-bottom:0pt;margin-top:0pt"></p> </td>
<td style="vertical-align:bottom;font-weight:bold;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-weight:bold;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-weight:bold;font-size:8pt;margin-bottom:0pt;margin-top:0pt"></p> </td>
<td style="vertical-align:bottom;font-weight:bold;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-weight:bold;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-weight:bold;font-size:8pt;margin-bottom:0pt;margin-top:0pt"></p> </td>
<td style="vertical-align:bottom;font-weight:bold;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td> </tr>
<tr style="background-color:#cceeff;page-break-inside:avoid;font-size:8pt;">
<td style="vertical-align:top;padding:0;"> <p style="font-family:Trebuchet MS;margin-left:0.00em;text-align:left;text-indent:0.00em;font-size:8pt;margin-bottom:0pt;margin-top:0pt">Total revenue, Underlying excluding Acquisitions <span style="white-space:nowrap">(non-GAAP) </span></p> </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:center"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">B </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">$1,582&#160;&#160;&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">$1,553&#160;&#160;&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">$1,562&#160;&#160;&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">$29&#160;&#160;&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">1.88&#160;%&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">$20&#160;&#160;&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">1.31&#160;%&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">$6,269&#160;&#160;&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">$6,071&#160;&#160;&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">$198&#160;&#160;&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">3.27&#160;%&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td> </tr>
<tr style="page-break-inside:avoid;font-size:8pt;">
<td style="vertical-align:top;padding:0;"> <p style="font-family:Trebuchet MS;margin-left:0.00em;text-align:left;text-indent:0.00em;font-size:8pt;margin-bottom:0pt;margin-top:0pt">Less: Noninterest expense, Underlying excluding Acquisitions <span style="white-space:nowrap">(non-GAAP) </span></p> </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:center"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">D </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">909&#160;&#160;&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">915&#160;&#160;&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">871&#160;&#160;&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">(6)&#160;&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">(0.57)&#160;&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">38&#160;&#160;&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">4.42&#160;&#160;&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">3,630&#160;&#160;&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">3,505&#160;&#160;&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">125&#160;&#160;&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">3.58&#160;&#160;&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td> </tr>
<tr style="font-size:0pt;page-break-inside:avoid;">
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<td style="vertical-align:bottom;padding-right:2pt;">&#160;</td>
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<td style="vertical-align:bottom;padding-right:2pt;">&#160;</td>
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<td style="vertical-align:bottom;padding-right:2pt;">&#160;</td>
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<td style="border-bottom:1px solid #000000;vertical-align:bottom;">&#160;</td>
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<td style="padding-right:2pt;vertical-align:bottom;">&#160;</td>
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<td style="vertical-align:bottom;padding-right:2pt;">&#160;</td>
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<td style="border-bottom:1px solid #000000;vertical-align:bottom;">&#160;</td>
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<td style="padding-right:2pt;vertical-align:bottom;">&#160;</td>
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<td style="vertical-align:bottom;padding-right:2pt;">&#160;</td>
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<td style="vertical-align:bottom;padding-right:2pt;">&#160;</td>
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<td style="vertical-align:bottom;padding-right:2pt;">&#160;</td>
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<td style="border-bottom:1px solid #000000;vertical-align:bottom;">&#160;</td>
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<td style="padding-right:2pt;vertical-align:bottom;">&#160;</td> </tr>
<tr style="background-color:#cceeff;page-break-inside:avoid;font-size:8pt;">
<td style="vertical-align:top;padding:0;"> <p style="font-family:Trebuchet MS;margin-left:0.00em;text-align:left;text-indent:0.00em;font-size:8pt;margin-bottom:0pt;margin-top:0pt">Operating leverage, Underlying excluding Acquisitions <span style="white-space:nowrap">(non-GAAP) </span></p> </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:center"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt"></p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt"></p> </td>
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<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt"></p> </td>
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<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt"></p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
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<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt"></p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
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<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">2.45&#160;%&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
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<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt"></p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">(3.11%)&#160;&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt"></p> </td>
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<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
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<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt"></p> </td>
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<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">(0.31%)&#160;</p> </td>
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<td style="padding-right:2pt;vertical-align:bottom;">&#160;</td>
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<td style="padding-right:2pt;vertical-align:bottom;">&#160;</td> </tr>
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<td style="vertical-align:top;padding:0;"> <p style="font-family:Trebuchet MS;font-weight:bold;margin-left:0.00em;text-align:left;text-indent:0.00em;font-size:8pt;margin-bottom:0pt;margin-top:0pt">Efficiency ratio and efficiency ratio, Underlying excluding Acquisitions: </p> </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-weight:bold;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:center"> <p style="font-family:Trebuchet MS;font-weight:bold;font-size:8pt;margin-bottom:0pt;margin-top:0pt"></p> </td>
<td style="vertical-align:bottom;font-weight:bold;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-weight:bold;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-weight:bold;font-size:8pt;margin-bottom:0pt;margin-top:0pt"></p> </td>
<td style="vertical-align:bottom;font-weight:bold;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
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<td style="vertical-align:bottom;font-family:Trebuchet MS;font-weight:bold;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-weight:bold;font-size:8pt;margin-bottom:0pt;margin-top:0pt"></p> </td>
<td style="vertical-align:bottom;font-weight:bold;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
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<td style="vertical-align:bottom;font-family:Trebuchet MS;font-weight:bold;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-weight:bold;font-size:8pt;margin-bottom:0pt;margin-top:0pt"></p> </td>
<td style="vertical-align:bottom;font-weight:bold;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-weight:bold;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-weight:bold;font-size:8pt;margin-bottom:0pt;margin-top:0pt"></p> </td>
<td style="vertical-align:bottom;font-weight:bold;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-weight:bold;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-weight:bold;font-size:8pt;margin-bottom:0pt;margin-top:0pt"></p> </td>
<td style="vertical-align:bottom;font-weight:bold;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-weight:bold;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-weight:bold;font-size:8pt;margin-bottom:0pt;margin-top:0pt"></p> </td>
<td style="vertical-align:bottom;font-weight:bold;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-weight:bold;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-weight:bold;font-size:8pt;margin-bottom:0pt;margin-top:0pt"></p> </td>
<td style="vertical-align:bottom;font-weight:bold;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-weight:bold;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-weight:bold;font-size:8pt;margin-bottom:0pt;margin-top:0pt"></p> </td>
<td style="vertical-align:bottom;font-weight:bold;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-weight:bold;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-weight:bold;font-size:8pt;margin-bottom:0pt;margin-top:0pt"></p> </td>
<td style="vertical-align:bottom;font-weight:bold;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-weight:bold;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-weight:bold;font-size:8pt;margin-bottom:0pt;margin-top:0pt"></p> </td>
<td style="vertical-align:bottom;font-weight:bold;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-weight:bold;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-weight:bold;font-size:8pt;margin-bottom:0pt;margin-top:0pt"></p> </td>
<td style="vertical-align:bottom;font-weight:bold;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td> </tr>
<tr style="background-color:#cceeff;page-break-inside:avoid;font-size:8pt;">
<td style="vertical-align:top;padding:0;"> <p style="font-family:Trebuchet MS;margin-left:0.00em;text-align:left;text-indent:0.00em;font-size:8pt;margin-bottom:0pt;margin-top:0pt">Efficiency ratio </p> </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
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<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
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<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">59.40&#160;%&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">59.69&#160;%&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">88&#160;&#160;&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:justify"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">bps </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">59&#160;&#160;&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:justify"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">bps </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">59.28&#160;%&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">59.06&#160;%&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">22&#160;&#160;&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt"></p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td> </tr>
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<td style="vertical-align:top;padding:0;"> <p style="font-family:Trebuchet MS;margin-left:0.00em;text-align:left;text-indent:0.00em;font-size:8pt;margin-bottom:0pt;margin-top:0pt">Efficiency ratio, Underlying excluding Acquisitions <span style="white-space:nowrap">(non-GAAP) </span></p> </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:center"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">D/B </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
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<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">58.90&#160;&#160;&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">55.77&#160;&#160;&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">(142)&#160;&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:justify"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">bps </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">171&#160;&#160;&#160;&#160;</p> </td>
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<td style="vertical-align:bottom;text-align:justify"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">bps </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">57.91&#160;&#160;&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
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<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">17&#160;&#160;&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt"></p> </td>
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 <div style="width:100%"> <p style="font-family:Trebuchet MS;text-align:center;font-size:10pt;margin-bottom:0pt;margin-top:0pt">26</p> <div></div> </div>

 </div>



<p style='page-break-before:always'> </p>
<hr style="color:#999999;height:3px;width:100%" />

 <div style="font-size:10pt;width:100%"> <p style="font-family:Trebuchet MS;text-align:left;font-size:10pt;margin-bottom:0pt;margin-top:0pt">performance. While there is no assurance that any list of risks and uncertainties or risk factors is&#160;complete, important factors that could cause actual results to differ materially from those in the forward-looking statements include the following, without limitation: </p> <p style="margin-bottom:0px;margin-top:6pt"></p>
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<tr style="page-break-inside:avoid;">
<td style="width:2%;text-align:left;">&#160;</td>
<td style="width:2%;vertical-align:top;">&#8226;</td>
<td style="font-family:Trebuchet MS;text-align:justify;font-size:10pt;margin-bottom:0pt;margin-top:0pt;">Negative economic and political conditions that adversely affect the general economy, housing prices, the job market, consumer confidence and spending habits which may affect, among other things, the level of nonperforming assets, charge-offs and provision expense;</td> </tr> </table> <p style="margin-bottom:0px;margin-top:6pt"></p>
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<tr style="page-break-inside:avoid;">
<td style="width:2%;text-align:left;">&#160;</td>
<td style="width:2%;vertical-align:top;">&#8226;</td>
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<table cellspacing="0" cellpadding="0" border="0" style="font-family:Trebuchet MS;text-align:justify;border-collapse:collapse;width:100%;font-size:10pt;margin-bottom:0pt;margin-top:0pt;border:0;">
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<td style="width:2%;text-align:left;">&#160;</td>
<td style="width:2%;vertical-align:top;">&#8226;</td>
<td style="font-family:Trebuchet MS;text-align:justify;font-size:10pt;margin-bottom:0pt;margin-top:0pt;">Our ability to implement our business strategy, including the cost savings and efficiency components, and achieve our financial performance goals;</td> </tr> </table> <p style="margin-bottom:0px;margin-top:6pt"></p>
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<tr style="page-break-inside:avoid;">
<td style="width:2%;text-align:left;">&#160;</td>
<td style="width:2%;vertical-align:top;">&#8226;</td>
<td style="font-family:Trebuchet MS;text-align:justify;font-size:10pt;margin-bottom:0pt;margin-top:0pt;">Our ability to meet heightened supervisory requirements and expectations;</td> </tr> </table> <p style="margin-bottom:0px;margin-top:6pt"></p>
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<tr style="page-break-inside:avoid;">
<td style="width:2%;text-align:left;">&#160;</td>
<td style="width:2%;vertical-align:top;">&#8226;</td>
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<tr style="page-break-inside:avoid;">
<td style="width:2%;text-align:left;">&#160;</td>
<td style="width:2%;vertical-align:top;">&#8226;</td>
<td style="font-family:Trebuchet MS;text-align:justify;font-size:10pt;margin-bottom:0pt;margin-top:0pt;">Our capital and liquidity requirements (including under regulatory capital standards, such as the U.S. Basel III capital rules) and our ability to generate capital internally or raise capital on favorable terms;</td> </tr> </table> <p style="margin-bottom:0px;margin-top:6pt"></p>
<table cellspacing="0" cellpadding="0" border="0" style="font-family:Trebuchet MS;text-align:justify;border-collapse:collapse;width:100%;font-size:10pt;margin-bottom:0pt;margin-top:0pt;border:0;">
<tr style="page-break-inside:avoid;">
<td style="width:2%;text-align:left;">&#160;</td>
<td style="width:2%;vertical-align:top;">&#8226;</td>
<td style="font-family:Trebuchet MS;text-align:justify;font-size:10pt;margin-bottom:0pt;margin-top:0pt;">The effect of changes in interest rates on our net interest income, net interest margin and our mortgage originations, mortgage servicing rights and mortgages held for sale;</td> </tr> </table> <p style="margin-bottom:0px;margin-top:6pt"></p>
<table cellspacing="0" cellpadding="0" border="0" style="font-family:Trebuchet MS;text-align:justify;border-collapse:collapse;width:100%;font-size:10pt;margin-bottom:0pt;margin-top:0pt;border:0;">
<tr style="page-break-inside:avoid;">
<td style="width:2%;text-align:left;">&#160;</td>
<td style="width:2%;vertical-align:top;">&#8226;</td>
<td style="font-family:Trebuchet MS;text-align:justify;font-size:10pt;margin-bottom:0pt;margin-top:0pt;">Changes in interest rates and market liquidity, as well as the magnitude of such changes, which may reduce interest margins, impact funding sources and affect the ability to originate and distribute financial products in the primary and secondary markets;</td> </tr> </table> <p style="margin-bottom:0px;margin-top:6pt"></p>
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<tr style="page-break-inside:avoid;">
<td style="width:2%;text-align:left;">&#160;</td>
<td style="width:2%;vertical-align:top;">&#8226;</td>
<td style="font-family:Trebuchet MS;text-align:justify;font-size:10pt;margin-bottom:0pt;margin-top:0pt;">The effect of changes in the level of checking or savings account deposits on our funding costs and net interest margin;</td> </tr> </table> <p style="margin-bottom:0px;margin-top:6pt"></p>
<table cellspacing="0" cellpadding="0" border="0" style="font-family:Trebuchet MS;text-align:justify;border-collapse:collapse;width:100%;font-size:10pt;margin-bottom:0pt;margin-top:0pt;border:0;">
<tr style="page-break-inside:avoid;">
<td style="width:2%;text-align:left;">&#160;</td>
<td style="width:2%;vertical-align:top;">&#8226;</td>
<td style="font-family:Trebuchet MS;text-align:justify;font-size:10pt;margin-bottom:0pt;margin-top:0pt;">Financial services reform and other current, pending or future legislation or regulation that could have a negative effect on our revenue and businesses, including the Dodd-Frank Act and other legislation and regulation relating to bank products and services;</td> </tr> </table> <p style="margin-bottom:0px;margin-top:6pt"></p>
<table cellspacing="0" cellpadding="0" border="0" style="font-family:Trebuchet MS;text-align:justify;border-collapse:collapse;width:100%;font-size:10pt;margin-bottom:0pt;margin-top:0pt;border:0;">
<tr style="page-break-inside:avoid;">
<td style="width:2%;text-align:left;">&#160;</td>
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<td style="font-family:Trebuchet MS;text-align:justify;font-size:10pt;margin-bottom:0pt;margin-top:0pt;">A failure in or breach of our operational or security systems or infrastructure, or those of our third party vendors or other service providers, including as a result of cyber-attacks; and</td> </tr> </table> <p style="margin-bottom:0px;margin-top:6pt"></p>
<table cellspacing="0" cellpadding="0" border="0" style="font-family:Trebuchet MS;text-align:justify;border-collapse:collapse;width:100%;font-size:10pt;margin-bottom:0pt;margin-top:0pt;border:0;">
<tr style="page-break-inside:avoid;">
<td style="width:2%;text-align:left;">&#160;</td>
<td style="width:2%;vertical-align:top;">&#8226;</td>
<td style="font-family:Trebuchet MS;text-align:justify;font-size:10pt;margin-bottom:0pt;margin-top:0pt;">Management&#8217;s ability to identify and manage these and other risks.</td> </tr> </table> <p style="font-family:Trebuchet MS;text-align:justify;font-size:10pt;margin-bottom:0px;margin-top:12pt">In addition to the above factors, we also caution that the actual amounts and timing of any future common stock dividends or share repurchases will be subject to various factors, including our capital position, financial performance, capital impacts of strategic initiatives, market conditions, and regulatory and accounting considerations, as well as any other factors that our Board of Directors deems relevant in making such a determination. Therefore, there can be no assurance that we will repurchase shares or pay any dividends to holders of our common stock, or as to the amount of any such repurchases or dividends. </p> <p style="font-family:Trebuchet MS;text-align:justify;font-size:10pt;margin-bottom:0px;margin-top:12pt">More information about factors that could cause actual results to differ materially from those described in the forward-looking statements can be found under &#8220;Risk Factors&#8221; in our Annual Report on Form <span style="white-space:nowrap">10-K</span> for the year ended December&#160;31, 2018. </p> <p style="font-family:Trebuchet MS;text-align:justify;font-size:10pt;margin-bottom:0px;margin-top:12pt">Note: Per share amounts and ratios presented in this document are calculated using whole dollars. </p> <p style="font-family:Trebuchet MS;font-weight:bold;text-align:left;font-size:10pt;margin-bottom:0px;margin-top:18pt">Item&#160;9.01 &#160;&#160;Financial Statements and Exhibits. </p>
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<tr>
<td></td>
<td></td>
<td></td>
<td style="width:2%;"></td>
<td style="width:11%;"></td>
<td style="width:1%;"></td>
<td style="width:84%;"></td> </tr>
<tr style="page-break-inside:avoid;font-size:8pt;">
<td colspan="2" style="white-space:nowrap;vertical-align:bottom;"> <p style="font-family:Trebuchet MS;font-weight:bold;text-align:center;font-size:8pt;margin-bottom:0pt;margin-top:0pt"></p> </td>
<td style="white-space:nowrap;vertical-align:bottom;font-weight:bold;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
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<td style="vertical-align:bottom;">&#160;</td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:left;"> <p style="font-family:Trebuchet MS;font-weight:bold;text-align:left;font-size:8pt;margin-bottom:0pt;margin-top:0pt;border-bottom:1pt solid #000000;display:inline-block">Description </p> </td> </tr>
<tr style="font-size:1pt;">
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<td style="height:8px;">&#160;</td> </tr>
<tr style="page-break-inside:avoid;font-size:10pt;">
<td style="white-space:nowrap;vertical-align:top;padding:0;font-family:Trebuchet MS;font-weight:bold;font-size:10pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="white-space:nowrap;vertical-align:top;padding:0;text-align:left"> <p style="font-family:Trebuchet MS;font-weight:bold;font-size:10pt;margin-bottom:0pt;margin-top:0pt">(d) </p> </td>
<td style="white-space:nowrap;vertical-align:top;padding-right:2pt;font-weight:bold;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:top;padding:0;"> <p style="font-family:Trebuchet MS;margin-left:0.00em;text-align:left;text-indent:0.00em;font-size:10pt;margin-bottom:0pt;margin-top:0pt">Exhibit&#160;99.1 </p> </td>
<td style="vertical-align:top;">&#160;</td>
<td style="white-space:nowrap;vertical-align:bottom;"> <p style="font-family:Trebuchet MS;text-align:left;font-size:10pt;margin-bottom:0pt;margin-top:0pt"> <a href="d875150dex991.htm">Citizens Financial Group, Inc. financial supplement for fourth quarter and full year 2019 </a> </p> </td> </tr>
<tr style="font-size:1pt;">
<td style="height:8px;">&#160;</td>
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<tr style="page-break-inside:avoid;font-size:10pt;">
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<td style="white-space:nowrap;vertical-align:top;padding:0;text-align:left"> <p style="font-family:Trebuchet MS;font-size:10pt;margin-bottom:0pt;margin-top:0pt"></p> </td>
<td style="white-space:nowrap;vertical-align:top;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:top;padding:0;"> <p style="font-family:Trebuchet MS;margin-left:0.00em;text-align:left;text-indent:0.00em;font-size:10pt;margin-bottom:0pt;margin-top:0pt">Exhibit&#160;104 </p> </td>
<td style="vertical-align:top;">&#160;</td>
<td style="white-space:nowrap;vertical-align:bottom;"> <p style="font-family:Trebuchet MS;text-align:left;font-size:10pt;margin-bottom:0pt;margin-top:0pt">Cover Page Interactive Data File (embedded within the Inline XBRL document) </p> <p style="font-family:Trebuchet MS;text-align:left;font-size:10pt;margin-bottom:0pt;margin-top:0pt"></p> </td> </tr> </table> <div></div> <p style="margin-top:1em;margin-bottom:0em"></p>
 <div style="width:100%"> <p style="font-family:Trebuchet MS;text-align:center;font-size:10pt;margin-bottom:0pt;margin-top:0pt">27</p> <div></div> </div>

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 <div style="font-size:10pt;width:100%"> <p style="font-family:Trebuchet MS;font-weight:bold;text-align:center;font-size:10pt;margin-bottom:0pt;margin-top:0pt">SIGNATURES </p> <p style="font-family:Trebuchet MS;text-align:left;text-indent:4%;font-size:10pt;margin-bottom:0px;margin-top:12pt">Pursuant to the requirements of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by the undersigned hereunto duly authorized. </p> <div style="float:right;width:100%">
<table cellspacing="0" cellpadding="0" border="0" style="font-size:10pt;border-collapse:separate;border-spacing:0;width:40%;margin-bottom:0px;margin-top:12pt;margin-left:auto;margin-right:0px">
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<td colspan="3" style="vertical-align:top;padding:0;"> <p style="font-family:Trebuchet MS;text-align:justify;font-size:10pt;margin-bottom:0pt;margin-top:0pt">CITIZENS FINANCIAL GROUP, INC. </p> </td> </tr>
<tr style="page-break-inside:avoid;font-size:10pt;">
<td style="vertical-align:top;padding:0;"> <p style="font-family:Trebuchet MS;text-align:justify;font-size:10pt;margin-bottom:0pt;margin-top:0pt"></p> </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:top;padding:0;"> <p style="font-family:Trebuchet MS;text-align:justify;font-size:10pt;margin-bottom:0pt;margin-top:0pt"></p> </td> </tr>
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<td style="height:16px;">&#160;</td>
<td style="height:16px;">&#160;</td> </tr>
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<td style="vertical-align:top;padding:0;"> <p style="font-family:Trebuchet MS;text-align:justify;font-size:10pt;margin-bottom:0pt;margin-top:0pt">By: </p> </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:top;padding:0;"> <p style="font-family:Trebuchet MS;text-align:justify;margin-bottom:1pt;font-size:10pt;margin-top:0pt;border-bottom:1px solid #000000">/s/ John F. Woods </p> </td> </tr>
<tr style="page-break-inside:avoid;font-size:10pt;">
<td style="vertical-align:top;padding:0;"> <p style="font-family:Trebuchet MS;text-align:justify;font-size:10pt;margin-bottom:0pt;margin-top:0pt"></p> </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:top;padding:0;"> <p style="font-family:Trebuchet MS;text-align:justify;font-size:10pt;margin-bottom:0pt;margin-top:0pt">John F. Woods </p> </td> </tr>
<tr style="page-break-inside:avoid;font-size:10pt;">
<td style="vertical-align:top;padding:0;"> <p style="font-family:Trebuchet MS;text-align:justify;font-size:10pt;margin-bottom:0pt;margin-top:0pt"></p> </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:top;padding:0;"> <p style="font-family:Trebuchet MS;text-align:justify;font-size:10pt;margin-bottom:0pt;margin-top:0pt">Vice Chairman and Chief Financial Officer </p> </td> </tr> </table> </div> <div style="clear:both"></div> <p style="font-family:Trebuchet MS;margin-left:0%;text-align:left;text-indent:0%;font-size:10pt;margin-bottom:0px;margin-top:18pt">Date: February 3, 2020 </p> <div></div> <p style="margin-top:1em;margin-bottom:0em"></p>
 <div style="width:100%"> <p style="font-family:Trebuchet MS;text-align:center;font-size:10pt;margin-bottom:0pt;margin-top:0pt">28</p> <div></div> </div>

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<DOCUMENT>
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<SEQUENCE>2
<FILENAME>d875150dex991.htm
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 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Trebuchet MS" ALIGN="right"><B>Exhibit 99.1 </B></P> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P> <P STYLE="margin-top:0pt;margin-bottom:0pt" ALIGN="center">


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<TD VALIGN="top" ALIGN="center"><FONT STYLE="font-family:Trebuchet MS; "><B>Financial Supplement</B></FONT></TD></TR>
</TABLE> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Trebuchet MS" ALIGN="center"><B>Fourth Quarter and Full Year 2019 </B></P>
<P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
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<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><FONT STYLE="font-family:Trebuchet MS; "><B>Page</B></FONT></TD>
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<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Trebuchet MS"><A HREF="#ex99_3866808_1">Consolidated Financial Highlights</A></P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">3</FONT></TD>
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<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Trebuchet MS"><A HREF="#ex99_3866808_2">Consolidated Statements of Operations (unaudited)</A></P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">5</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD></TR>
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<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Trebuchet MS"><A HREF="#ex99_3866808_3">Consolidated Balance Sheets (unaudited)</A></P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">6</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD></TR>
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<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD></TR>
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<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Trebuchet MS"><A HREF="#ex99_3866808_4">Loans and Deposits</A></P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">7</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD></TR>
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<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Trebuchet MS"><A HREF="#ex99_3866808_5">Average Balance Sheets</A></P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">8</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD></TR>
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<TD HEIGHT="8"></TD>
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<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Trebuchet MS"><A HREF="#ex99_3866808_6">Average Annualized Yields and Rates</A></P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">9</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD></TR>
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<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD></TR>
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<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Trebuchet MS"><A HREF="#ex99_3866808_7">Segment Financial Highlights</A></P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">10</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD></TR>
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<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Trebuchet MS"><A HREF="#ex99_3866808_8">Credit-Related Information:</A></P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:arial; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Trebuchet MS"><A HREF="#ex99_3866808_9">Nonperforming Assets</A></P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">17</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:arial; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Trebuchet MS"><A HREF="#ex99_3866808_10">Charge-offs, Recoveries and Related Ratios</A></P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">18</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:arial; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:10pt; font-family:Trebuchet MS"><A HREF="#ex99_3866808_11">Summary of Changes in the Components of the Allowance for Credit
Losses</A></P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">20</FONT></TD>
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<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Trebuchet MS"><A HREF="#ex99_3866808_12">Capital and Ratios</A></P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">21</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD></TR>
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<TD HEIGHT="8"></TD>
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<TR STYLE="page-break-inside:avoid ; font-family:arial; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:10pt; font-family:Trebuchet MS"><A HREF="#ex99_3866808_13">Key Performance Metrics, <FONT STYLE="white-space:nowrap">Non-GAAP</FONT> Financial
 Measures and Reconciliations</A></P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">22</FONT></TD>
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</TABLE> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Trebuchet MS">The information in this Financial Supplement is preliminary and based on company data available at the time of the earnings
presentation. It speaks only as of the particular date or dates included in the accompanying pages. The Company does not undertake an obligation to, and disclaims any duty to, update any of the information provided. Any forward-looking statements in
this Financial Supplement are subject to the forward-looking statements language contained in the Company&#146;s reports filed with the SEC pursuant to the Securities Exchange Act of 1934, which can be found on the SEC&#146;s website
(<U>www.sec.gov</U>) or on the Company&#146;s website (<U>www.citizensbank.com</U>). The Company&#146;s future financial performance is subject to the risks and uncertainties described in its SEC filings. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Trebuchet MS" ALIGN="center">2 </P>


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 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Trebuchet MS"><B><A NAME="ex99_3866808_1"></A>CONSOLIDATED FINANCIAL HIGHLIGHTS </B></P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Trebuchet MS"><B>(in millions, except share, <FONT STYLE="white-space:nowrap">per-share</FONT> and ratio data) </B></P>
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<TD VALIGN="bottom" COLSPAN="34" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><FONT STYLE="font-family:Trebuchet MS; "><B>QUARTERLY TRENDS</B></FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
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<TD VALIGN="bottom" COLSPAN="14" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><FONT STYLE="font-family:Trebuchet MS; "><B>FULL YEAR</B></FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>
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<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="14" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><FONT STYLE="font-family:Trebuchet MS; "><B>4Q19 Change</B></FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD COLSPAN="2" VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD COLSPAN="2" VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="6" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><FONT STYLE="font-family:Trebuchet MS; "><B>2019 Change</B></FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:arial; font-size:6.5pt">
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><FONT STYLE="font-family:Trebuchet MS; "><B>4Q19</B></FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><FONT STYLE="font-family:Trebuchet MS; "><B>3Q19</B></FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><FONT STYLE="font-family:Trebuchet MS; "><B>2Q19</B></FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><FONT STYLE="font-family:Trebuchet MS; "><B>1Q19</B></FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><FONT STYLE="font-family:Trebuchet MS; "><B>4Q18</B></FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="6" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><FONT STYLE="font-family:Trebuchet MS; "><B>3Q19</B></FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="6" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><FONT STYLE="font-family:Trebuchet MS; "><B>4Q18</B></FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><FONT STYLE="font-family:Trebuchet MS; "><B>2019</B></FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><FONT STYLE="font-family:Trebuchet MS; "><B>2018</B></FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="6" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><FONT STYLE="font-family:Trebuchet MS; "><B>2018</B></FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:arial; font-size:6.5pt">
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD COLSPAN="2" VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD COLSPAN="2" VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD COLSPAN="2" VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD COLSPAN="2" VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD COLSPAN="2" VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><FONT STYLE="font-family:Trebuchet MS; "><B>$/bps</B></FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><FONT STYLE="font-family:Trebuchet MS; "><B>%</B></FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><FONT STYLE="font-family:Trebuchet MS; "><B>$/bps</B></FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><FONT STYLE="font-family:Trebuchet MS; "><B>%</B></FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD COLSPAN="2" VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD COLSPAN="2" VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><FONT STYLE="font-family:Trebuchet MS; "><B>$/bps</B></FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><FONT STYLE="font-family:Trebuchet MS; "><B>%</B></FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>


<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:arial; font-size:6.5pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:6.5pt; font-family:Trebuchet MS"><B><U>SELECTED OPERATING DATA</U></B></P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:arial; font-size:6.5pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:6.5pt; font-family:Trebuchet MS">Total revenue</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">1,637</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">1,638</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">1,628</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">1,588</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">1,593</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">($</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">1</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">)&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">&#151;&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">%&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">44</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">3</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">%&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">6,491</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">6,128</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">363</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">6</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">%&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:arial; font-size:6.5pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:6.5pt; font-family:Trebuchet MS">Noninterest expense</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">986</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">973</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">951</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">937</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">951</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">13</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">1</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">35</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">4</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">3,847</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">3,619</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">228</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">6</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:arial; font-size:6.5pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:6.5pt; font-family:Trebuchet MS">Profit before provision for credit losses</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">651</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">665</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">677</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">651</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">642</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">(14</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">)&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">(2</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">)&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">9</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">1</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">2,644</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">2,509</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">135</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">5</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:arial; font-size:6.5pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:6.5pt; font-family:Trebuchet MS">Provision for credit losses</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">110</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">101</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">97</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">85</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">85</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">9</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">9</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">25</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">29</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">393</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">326</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">67</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">21</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:arial; font-size:6.5pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:6.5pt; font-family:Trebuchet MS"><B>NET INCOME</B></P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">450</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">449</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">453</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">439</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">465</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">1</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">&#151;&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">(15</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">)&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">(3</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">)&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">1,791</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">1,721</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">70</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">4</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:arial; font-size:6.5pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:6.5pt; font-family:Trebuchet MS">Net income, Underlying<SUP STYLE="font-size:85%; vertical-align:top">1 </SUP></P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">454</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">453</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">458</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">443</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">474</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">1</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">&#151;&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">(20</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">)&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">(4</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">)&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">1,808</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">1,737</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">71</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">4</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:arial; font-size:6.5pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:6.5pt; font-family:Trebuchet MS">Net income available to common stockholders</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">427</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">432</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">435</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">424</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">450</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">(5</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">)&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">(1</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">)&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">(23</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">)&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">(5</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">)&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">1,718</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">1,692</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">26</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">2</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:arial; font-size:6.5pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:6.5pt; font-family:Trebuchet MS">Net income available to common stockholders,
Underlying<SUP STYLE="font-size:85%; vertical-align:top">1 </SUP></P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">431</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">436</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">440</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">428</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">459</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">(5</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">)&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">(1</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">)&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">(28</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">)&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">(6</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">)&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">1,735</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">1,708</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">27</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">2</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:arial; font-size:6.5pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:6.5pt; font-family:Trebuchet MS"><B><U>PER COMMON SHARE DATA</U></B></P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:arial; font-size:6.5pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:6.5pt; font-family:Trebuchet MS">Basic earnings</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">0.98</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">0.97</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">0.95</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">0.92</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">0.96</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">0.01</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">1</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">%&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">0.02</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">2</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">%&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">3.82</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">3.54</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">0.28</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">8</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">%&nbsp;</FONT></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:arial; font-size:6.5pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:6.5pt; font-family:Trebuchet MS">Diluted earnings</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">0.98</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">0.97</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">0.95</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">0.92</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">0.96</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">0.01</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">1</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">0.02</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">2</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">3.81</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">3.52</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">0.29</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">8</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:arial; font-size:6.5pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:6.5pt; font-family:Trebuchet MS">Basic earnings, Underlying<SUP STYLE="font-size:85%; vertical-align:top">1 </SUP></P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">0.99</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">0.98</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">0.96</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">0.93</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">0.98</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">0.01</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">1</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">0.01</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">1</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">3.86</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">3.57</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">0.29</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">8</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:arial; font-size:6.5pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:6.5pt; font-family:Trebuchet MS">Diluted earnings, Underlying<SUP STYLE="font-size:85%; vertical-align:top">1 </SUP></P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">0.99</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">0.98</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">0.96</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">0.93</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">0.98</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">0.01</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">1</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">0.01</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">1</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">3.84</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">3.56</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">0.28</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">8</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:arial; font-size:6.5pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:6.5pt; font-family:Trebuchet MS">Cash dividends declared and paid per common share</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">0.36</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">0.36</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">0.32</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">0.32</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">0.27</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">&#151;&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">&#151;&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">0.09</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">33</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">1.36</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">0.98</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">0.38</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">39</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:arial; font-size:6.5pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:6.5pt; font-family:Trebuchet MS">Book value per common share</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">47.63</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">46.67</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">45.61</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">44.24</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">42.87</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">0.96</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">2</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">4.76</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">11</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">47.63</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">42.87</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">4.76</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">11</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:arial; font-size:6.5pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:6.5pt; font-family:Trebuchet MS">Tangible book value per common share</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">32.08</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">31.48</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">30.88</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">29.60</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">28.73</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">0.60</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">2</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">3.35</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">12</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">32.08</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">28.73</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">3.35</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">12</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:arial; font-size:6.5pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:6.5pt; font-family:Trebuchet MS">Dividend payout ratio</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">37</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">%&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">37</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">%&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">34</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">%&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">35</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">%&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">28</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">%&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">&#151;&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; "> bps&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">900&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; "> bps&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">36</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">%&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">28</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">%&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">800&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; "> bps&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:arial; font-size:6.5pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:6.5pt; font-family:Trebuchet MS">Dividend payout ratio, Underlying<SUP STYLE="font-size:85%; vertical-align:top">1 </SUP></P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">36</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">37</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">33</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">34</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">27</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">(100</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">) bps&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">900&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; "> bps&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">35</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">27</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">800&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; "> bps&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:arial; font-size:6.5pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:6.5pt; font-family:Trebuchet MS"><B><U>COMMON SHARES OUTSTANDING</U></B></P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:arial; font-size:6.5pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:6.5pt; font-family:Trebuchet MS">Average: Basic</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">434,684,606</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">445,703,987</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">458,154,335</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">460,713,172</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">467,338,825</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">(11,019,381</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">)&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">(2</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">%)&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">(32,654,219</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">)&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">(7</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">%)&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">449,731,453</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">478,822,072</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">(29,090,619</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">)&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">(6</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">%)&nbsp;</FONT></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:arial; font-size:6.5pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:5.00em; text-indent:-1.00em; font-size:6.5pt; font-family:Trebuchet MS">Diluted</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">436,500,829</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">447,134,595</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">459,304,224</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">462,520,680</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">469,103,134</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">(10,633,766</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">)&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">(2</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">)&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">(32,602,305</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">)&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">(7</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">)&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">451,213,701</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">480,430,741</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">(29,217,040</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">)&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">(6</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">)&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:arial; font-size:6.5pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:6.5pt; font-family:Trebuchet MS">Common shares at <FONT STYLE="white-space:nowrap">period-end</FONT></P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">433,121,083</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">443,913,525</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">457,903,826</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">461,116,723</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">466,007,984</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">(10,792,442</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">)&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">(2</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">)&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">(32,886,901</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">)&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">(7</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">)&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">433,121,083</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">466,007,984</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">(32,886,901</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">)&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">(7</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">)&nbsp;</FONT></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:arial; font-size:6.5pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:6.5pt; font-family:Trebuchet MS"><B><U>SHARE PRICE</U></B></P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:arial; font-size:6.5pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:6.5pt; font-family:Trebuchet MS">High</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">40.92</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">38.06</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">36.89</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">37.73</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">39.69</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">2.86</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">8</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">%&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">1.23</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">3</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">%&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">40.92</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">48.23</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">($</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">7.31</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">)&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">(15</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">%)&nbsp;</FONT></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:arial; font-size:6.5pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:6.5pt; font-family:Trebuchet MS">Low</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">32.47</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">31.34</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">32.36</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">29.26</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">27.62</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">1.13</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">4</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">4.85</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">18</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">29.26</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">27.62</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">1.64</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">6</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:arial; font-size:6.5pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:6.5pt; font-family:Trebuchet MS">Close</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">40.61</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">35.37</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">35.36</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">32.50</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">29.73</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">5.24</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">15</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">10.88</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">37</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">40.61</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">29.73</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">10.88</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">37</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:arial; font-size:6.5pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:6.5pt; font-family:Trebuchet MS">Market capitalization</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">17,589</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">15,701</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">16,191</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">14,986</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">13,854</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">1,888</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">12</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">3,735</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">27</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">17,589</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">13,854</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">3,735</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">27</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:arial; font-size:6.5pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:6.5pt; font-family:Trebuchet MS"><B><U>SEGMENT NET INCOME</U></B></P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:arial; font-size:6.5pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:6.5pt; font-family:Trebuchet MS">Consumer Banking</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">209</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">251</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">213</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">202</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">193</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">($</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">42</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">)&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">(17</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">%)&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">16</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">8</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">%&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">875</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">767</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">108</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">14</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">%&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:arial; font-size:6.5pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:6.5pt; font-family:Trebuchet MS">Commercial Banking</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">231</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">196</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">216</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">227</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">241</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">35</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">18</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">(10</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">)&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">(4</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">)&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">870</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">927</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">(57</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">)&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">(6</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">)&nbsp;</FONT></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:arial; font-size:6.5pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:6.5pt; font-family:Trebuchet MS">Other</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">10</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">2</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">24</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">10</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">31</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">8</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">NM</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">(21</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">)&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">(68</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">)&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">46</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">27</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">19</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">70</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:arial; font-size:6.5pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:6.5pt; font-family:Trebuchet MS">NET INCOME</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">450</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">449</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">453</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">439</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">465</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">1</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">&#151;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">%&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">($</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">15</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">)&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">(3</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">%)&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">1,791</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">1,721</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">70</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">4</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">%&nbsp;</FONT></TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR></TABLE> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Trebuchet MS; font-size:8pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="4%" VALIGN="top" ALIGN="left"><SUP STYLE="font-size:85%; vertical-align:top">1</SUP></TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:8pt; font-family:Trebuchet MS; " ALIGN="left">These are <FONT STYLE="white-space:nowrap">non-GAAP</FONT> financial measures. For further information on these
measures, refer to &#147;Key Performance Metrics, <FONT STYLE="white-space:nowrap">Non-GAAP</FONT> Financial Measures and Reconciliations&#148; at the end of this document. </P></TD></TR></TABLE>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Trebuchet MS" ALIGN="center">3 </P>


<p Style='page-break-before:always'>
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">


 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Trebuchet MS"><B>CONSOLIDATED FINANCIAL HIGHLIGHTS, CONTINUED </B></P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Trebuchet MS"><B>(in millions, except ratio and headcount data) </B></P> <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Trebuchet MS; font-size:8pt" ALIGN="center">


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<TD></TD>
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<TD VALIGN="bottom" WIDTH="1%"></TD>
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<TR STYLE="page-break-inside:avoid ; font-family:Trebuchet MS; font-size:8pt">
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="34" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>QUARTERLY TRENDS</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="14" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>FULL YEAR</B></TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Trebuchet MS; font-size:8pt">
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD COLSPAN="2" VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD COLSPAN="2" VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD COLSPAN="2" VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD COLSPAN="2" VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD COLSPAN="2" VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="14" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>4Q19 Change</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD COLSPAN="2" VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD COLSPAN="2" VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="6" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>2019&nbsp;Change</B></TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Trebuchet MS; font-size:8pt">
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>4Q19</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>3Q19</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>2Q19</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>1Q19</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>4Q18</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="6" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>3Q19</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="6" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>4Q18</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>2019</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>2018</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="6" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>2018</B></TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Trebuchet MS; font-size:8pt">
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD COLSPAN="2" VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD COLSPAN="2" VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD COLSPAN="2" VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD COLSPAN="2" VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD COLSPAN="2" VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>$/bps</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>%</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>$/bps</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>%</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD COLSPAN="2" VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD COLSPAN="2" VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>$/bps</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>%</B></TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>


<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Trebuchet MS; font-size:8pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:8pt; font-family:Trebuchet MS"><B><U>FINANCIAL RATIOS</U></B></P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Trebuchet MS; font-size:8pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:8pt; font-family:Trebuchet MS">Net interest margin<SUP STYLE="font-size:85%; vertical-align:top">1 </SUP></P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">3.04</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">3.10</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">3.20</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">3.23</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">3.23</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(6</TD>
<TD NOWRAP VALIGN="bottom">)&nbsp;bps&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(19</TD>
<TD NOWRAP VALIGN="bottom">)&nbsp;bps&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">3.14</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">3.21</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(7</TD>
<TD NOWRAP VALIGN="bottom">)&nbsp;bps&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Trebuchet MS; font-size:8pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:8pt; font-family:Trebuchet MS">Net interest margin, FTE<SUP STYLE="font-size:85%; vertical-align:top">2 </SUP></P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">3.06</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">3.12</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">3.21</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">3.25</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">3.25</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(6</TD>
<TD NOWRAP VALIGN="bottom">)&nbsp;bps&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(19</TD>
<TD NOWRAP VALIGN="bottom">)&nbsp;bps&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">3.16</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">3.22</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(6</TD>
<TD NOWRAP VALIGN="bottom">)&nbsp;bps&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Trebuchet MS; font-size:8pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:8pt; font-family:Trebuchet MS">Return on average common equity</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">8.30</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">8.35</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">8.54</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">8.62</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">9.16</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(5</TD>
<TD NOWRAP VALIGN="bottom">)&nbsp;bps&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(86</TD>
<TD NOWRAP VALIGN="bottom">)&nbsp;bps&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">8.45</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">8.62</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(17</TD>
<TD NOWRAP VALIGN="bottom">)&nbsp;bps&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Trebuchet MS; font-size:8pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:8pt; font-family:Trebuchet MS">Return on average common equity,
Underlying<SUP STYLE="font-size:85%; vertical-align:top">3</SUP></P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">8.36</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">8.45</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">8.63</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">8.71</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">9.33</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(9</TD>
<TD NOWRAP VALIGN="bottom">)&nbsp;bps&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(97</TD>
<TD NOWRAP VALIGN="bottom">)&nbsp;bps&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">8.53</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">8.69</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(16</TD>
<TD NOWRAP VALIGN="bottom">)&nbsp;bps&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Trebuchet MS; font-size:8pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:8pt; font-family:Trebuchet MS">Return on average tangible common equity</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">12.39</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">12.44</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">12.75</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">13.00</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">13.85</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(5</TD>
<TD NOWRAP VALIGN="bottom">)&nbsp;bps&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(146</TD>
<TD NOWRAP VALIGN="bottom">)&nbsp;bps&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">12.64</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">12.94</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(30</TD>
<TD NOWRAP VALIGN="bottom">)&nbsp;bps&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Trebuchet MS; font-size:8pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:8pt; font-family:Trebuchet MS">Return on average tangible common equity, Underlying<SUP STYLE="font-size:85%; vertical-align:top">3
</SUP></P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">12.49</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">12.58</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">12.89</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">13.12</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">14.11</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(9</TD>
<TD NOWRAP VALIGN="bottom">)&nbsp;bps&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(162</TD>
<TD NOWRAP VALIGN="bottom">)&nbsp;bps&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">12.76</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">13.06</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(30</TD>
<TD NOWRAP VALIGN="bottom">)&nbsp;bps&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Trebuchet MS; font-size:8pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:8pt; font-family:Trebuchet MS">Return on average total assets</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1.08</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1.10</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1.13</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1.11</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1.17</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(2</TD>
<TD NOWRAP VALIGN="bottom">)&nbsp;bps&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(9</TD>
<TD NOWRAP VALIGN="bottom">)&nbsp;bps&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1.10</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1.11</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(1</TD>
<TD NOWRAP VALIGN="bottom">)&nbsp;bps&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Trebuchet MS; font-size:8pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:8pt; font-family:Trebuchet MS">Return on average total assets, Underlying<SUP STYLE="font-size:85%; vertical-align:top">3
</SUP></P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1.09</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1.11</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1.14</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1.12</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1.19</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(2</TD>
<TD NOWRAP VALIGN="bottom">)&nbsp;bps&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(10</TD>
<TD NOWRAP VALIGN="bottom">)&nbsp;bps&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1.11</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1.12</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(1</TD>
<TD NOWRAP VALIGN="bottom">)&nbsp;bps&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Trebuchet MS; font-size:8pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:8pt; font-family:Trebuchet MS">Return on average total tangible assets</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1.13</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1.15</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1.17</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1.16</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1.22</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(2</TD>
<TD NOWRAP VALIGN="bottom">)&nbsp;bps&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(9</TD>
<TD NOWRAP VALIGN="bottom">)&nbsp;bps&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1.15</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1.16</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(1</TD>
<TD NOWRAP VALIGN="bottom">)&nbsp;bps&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Trebuchet MS; font-size:8pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:8pt; font-family:Trebuchet MS">Return on average total tangible assets, Underlying<SUP STYLE="font-size:85%; vertical-align:top">3
</SUP></P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1.14</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1.16</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1.19</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1.17</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1.24</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(2</TD>
<TD NOWRAP VALIGN="bottom">)&nbsp;bps&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(10</TD>
<TD NOWRAP VALIGN="bottom">)&nbsp;bps&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1.16</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1.17</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(1</TD>
<TD NOWRAP VALIGN="bottom">)&nbsp;bps&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Trebuchet MS; font-size:8pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:8pt; font-family:Trebuchet MS">Effective income tax rate</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">16.76</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">20.46</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">21.86</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">22.42</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">16.45</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(370</TD>
<TD NOWRAP VALIGN="bottom">)&nbsp;bps&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">31</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;bps&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">20.43</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">21.16</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(73</TD>
<TD NOWRAP VALIGN="bottom">)&nbsp;bps&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Trebuchet MS; font-size:8pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:8pt; font-family:Trebuchet MS">Effective income tax rate, Underlying<SUP STYLE="font-size:85%; vertical-align:top">3 </SUP></P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">21.52</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">22.29</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">21.89</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">22.44</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">21.91</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(77</TD>
<TD NOWRAP VALIGN="bottom">)&nbsp;bps&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(39</TD>
<TD NOWRAP VALIGN="bottom">)&nbsp;bps&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">22.03</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">22.55</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(52</TD>
<TD NOWRAP VALIGN="bottom">)&nbsp;bps&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Trebuchet MS; font-size:8pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:8pt; font-family:Trebuchet MS">Efficiency ratio</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">60.28</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">59.40</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">58.41</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">59.00</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">59.69</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">88</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;bps&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">59</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;bps&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">59.28</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">59.06</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">22</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;bps&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Trebuchet MS; font-size:8pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:8pt; font-family:Trebuchet MS">Efficiency ratio, Underlying<SUP STYLE="font-size:85%; vertical-align:top">3 </SUP></P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">58.02</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">58.22</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">58.02</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">58.67</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">56.70</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(20</TD>
<TD NOWRAP VALIGN="bottom">)&nbsp;bps&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">132</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;bps&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">58.23</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">58.13</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">10</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;bps&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Trebuchet MS; font-size:8pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:8pt; font-family:Trebuchet MS">Noninterest income as a % of total revenue</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">30</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">30</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">28</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">27</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">26</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">&#151;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;bps&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">400</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;bps&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">29</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">26</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">300</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;bps&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Trebuchet MS; font-size:8pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:8pt; font-family:Trebuchet MS">Noninterest income as a % of total revenue, Underlying<SUP STYLE="font-size:85%; vertical-align:top">3
</SUP></P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">30</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">30</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">28</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">27</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">27</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">&#151;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;bps&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">300</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;bps&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">29</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">26</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">300</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;bps&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Trebuchet MS; font-size:8pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:8pt; font-family:Trebuchet MS"><B><U>CAPITAL RATIOS - <FONT STYLE="white-space:nowrap">PERIOD-END</FONT>
(PRELIMINARY)</U></B></P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Trebuchet MS; font-size:8pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:8pt; font-family:Trebuchet MS">CET1 capital ratio</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">10.0</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">10.3</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">10.5</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">10.5</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">10.6</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Trebuchet MS; font-size:8pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:8pt; font-family:Trebuchet MS">Tier 1 capital ratio</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">11.1</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">11.1</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">11.3</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">11.3</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">11.3</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Trebuchet MS; font-size:8pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:8pt; font-family:Trebuchet MS">Total capital ratio</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">13.0</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">13.0</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">13.4</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">13.4</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">13.3</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Trebuchet MS; font-size:8pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:8pt; font-family:Trebuchet MS">Tier 1 leverage ratio</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">10.0</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">9.9</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">10.1</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">10.0</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">10.0</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Trebuchet MS; font-size:8pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:8pt; font-family:Trebuchet MS"><B><U>SELECTED BALANCE SHEET DATA
<FONT STYLE="white-space:nowrap">(PERIOD-END)</FONT></U></B></P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Trebuchet MS; font-size:8pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:8pt; font-family:Trebuchet MS">Total assets</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">165,733</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">164,362</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">162,749</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">161,342</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">160,518</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">1,371</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">5,215</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">3</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">165,733</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">160,518</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">5,215</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">3</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Trebuchet MS; font-size:8pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:8pt; font-family:Trebuchet MS">Loans and leases:</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Trebuchet MS; font-size:8pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:8pt; font-family:Trebuchet MS">Commercial</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">57,538</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">56,733</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">56,963</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">57,689</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">56,783</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">805</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">755</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">57,538</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">56,783</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">755</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Trebuchet MS; font-size:8pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:8pt; font-family:Trebuchet MS">Retail</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">61,550</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">61,147</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">59,875</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">59,926</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">59,877</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">403</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1,673</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">3</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">61,550</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">59,877</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1,673</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">3</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Trebuchet MS; font-size:8pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:5.00em; text-indent:-1.00em; font-size:8pt; font-family:Trebuchet MS">Total loans and leases</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">119,088</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">117,880</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">116,838</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">117,615</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">116,660</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1,208</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">2,428</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">2</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">119,088</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">116,660</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">2,428</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">2</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Trebuchet MS; font-size:8pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:8pt; font-family:Trebuchet MS">Deposits</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">125,313</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">124,714</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">124,004</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">123,916</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">119,575</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">599</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">5,738</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">5</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">125,313</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">119,575</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">5,738</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">5</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Trebuchet MS; font-size:8pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:8pt; font-family:Trebuchet MS">Long-term borrowed funds<SUP STYLE="font-size:85%; vertical-align:top">4 </SUP></P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">14,047</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">12,806</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">11,538</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">11,725</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">15,925</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1,241</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">10</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(1,878</TD>
<TD NOWRAP VALIGN="bottom">)&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(12</TD>
<TD NOWRAP VALIGN="bottom">)&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">14,047</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">15,925</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(1,878</TD>
<TD NOWRAP VALIGN="bottom">)&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(12</TD>
<TD NOWRAP VALIGN="bottom">)&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Trebuchet MS; font-size:8pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:8pt; font-family:Trebuchet MS">Total stockholders&#146; equity</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">22,201</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">21,851</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">22,017</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">21,531</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">20,817</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">350</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">2</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1,384</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">7</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">22,201</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">20,817</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1,384</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">7</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Trebuchet MS; font-size:8pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:8pt; font-family:Trebuchet MS"><FONT STYLE="white-space:nowrap"><FONT STYLE="white-space:nowrap">Loans-to-deposits</FONT></FONT>
ratio <FONT STYLE="white-space:nowrap">(period-end</FONT> balances)</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">95.03</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">94.52</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">94.22</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">94.92</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">97.56</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">51</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;bps&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(253</TD>
<TD NOWRAP VALIGN="bottom">)&nbsp;bps&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">95.03</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">97.56</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(253</TD>
<TD NOWRAP VALIGN="bottom">)&nbsp;bps&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Trebuchet MS; font-size:8pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:8pt; font-family:Trebuchet MS"><FONT STYLE="white-space:nowrap"><FONT STYLE="white-space:nowrap">Loans-to-deposits</FONT></FONT>
ratio (average balances)</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">94.63</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">94.62</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">95.64</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">97.70</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">98.41</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;bps&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(378</TD>
<TD NOWRAP VALIGN="bottom">)&nbsp;bps&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">95.62</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">97.94</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(232</TD>
<TD NOWRAP VALIGN="bottom">)&nbsp;bps&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Trebuchet MS; font-size:8pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:8pt; font-family:Trebuchet MS">Full-time equivalent colleagues</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">17,997</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">18,116</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">18,207</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">18,078</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">18,140</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(119</TD>
<TD NOWRAP VALIGN="bottom">)&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(1</TD>
<TD NOWRAP VALIGN="bottom">)&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(143</TD>
<TD NOWRAP VALIGN="bottom">)&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(1</TD>
<TD NOWRAP VALIGN="bottom">)&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">17,997</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">18,140</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(143</TD>
<TD NOWRAP VALIGN="bottom">)&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(1</TD>
<TD NOWRAP VALIGN="bottom">)&nbsp;</TD></TR></TABLE> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Trebuchet MS; font-size:8pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="4%" VALIGN="top" ALIGN="left"><SUP STYLE="font-size:85%; vertical-align:top">1</SUP></TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:8pt; font-family:Trebuchet MS; " ALIGN="left">Beginning in the first quarter of 2019, we changed the method of calculating our net interest margin to equal net
interest income, annualized based on the number of days in the period, divided by average total interest-earning assets. Prior periods have been adjusted to conform with the current period presentation. </P></TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Trebuchet MS; font-size:8pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="4%" VALIGN="top" ALIGN="left"><SUP STYLE="font-size:85%; vertical-align:top">2</SUP></TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:8pt; font-family:Trebuchet MS; " ALIGN="left">Net interest income and net interest margin is presented on a fully taxable-equivalent (&#147;FTE&#148;) basis
using the federal statutory tax rate of 21%. The FTE impact is predominantly attributable to commercial loans for the periods presented. </P></TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Trebuchet MS; font-size:8pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="4%" VALIGN="top" ALIGN="left"><SUP STYLE="font-size:85%; vertical-align:top">3</SUP></TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:8pt; font-family:Trebuchet MS; " ALIGN="left">These are <FONT STYLE="white-space:nowrap">non-GAAP</FONT> financial measures. For further information on these
measures, refer to &#147;Key Performance Metrics, <FONT STYLE="white-space:nowrap">Non-GAAP</FONT> Financial Measures and Reconciliations&#148; at the end of this document. </P></TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Trebuchet MS; font-size:8pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="4%" VALIGN="top" ALIGN="left"><SUP STYLE="font-size:85%; vertical-align:top">4</SUP></TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:8pt; font-family:Trebuchet MS; " ALIGN="left">Beginning in the first quarter of 2019, borrowed funds balances and the associated interest expense are based on
original maturity. Prior periods have been adjusted to conform with the current period presentation. </P></TD></TR></TABLE>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Trebuchet MS" ALIGN="center">4 </P>


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 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Trebuchet MS"><B><A NAME="ex99_3866808_2"></A>CONSOLIDATED STATEMENTS OF OPERATIONS (unaudited) </B></P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Trebuchet MS"><B>(in millions) </B></P> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
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<TD VALIGN="bottom" COLSPAN="34" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><FONT STYLE="font-family:Trebuchet MS; "><B>QUARTERLY TRENDS</B></FONT></TD>
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<TD VALIGN="bottom" COLSPAN="14" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><FONT STYLE="font-family:Trebuchet MS; "><B>FULL YEAR</B></FONT></TD>
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<TD VALIGN="bottom" COLSPAN="14" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><FONT STYLE="font-family:Trebuchet MS; "><B>4Q19 Change</B></FONT></TD>
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<TD VALIGN="bottom" COLSPAN="6" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><FONT STYLE="font-family:Trebuchet MS; "><B>2019&nbsp;Change</B></FONT></TD>
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<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><FONT STYLE="font-family:Trebuchet MS; "><B>4Q19</B></FONT></TD>
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<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><FONT STYLE="font-family:Trebuchet MS; "><B>3Q19</B></FONT></TD>
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<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><FONT STYLE="font-family:Trebuchet MS; "><B>2Q19</B></FONT></TD>
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<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><FONT STYLE="font-family:Trebuchet MS; "><B>1Q19</B></FONT></TD>
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<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><FONT STYLE="font-family:Trebuchet MS; "><B>4Q18</B></FONT></TD>
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<TD VALIGN="bottom" COLSPAN="6" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><FONT STYLE="font-family:Trebuchet MS; "><B>3Q19</B></FONT></TD>
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<TD VALIGN="bottom" COLSPAN="6" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><FONT STYLE="font-family:Trebuchet MS; "><B>4Q18</B></FONT></TD>
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<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><FONT STYLE="font-family:Trebuchet MS; "><B>2019</B></FONT></TD>
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<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><FONT STYLE="font-family:Trebuchet MS; "><B>2018</B></FONT></TD>
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<TD VALIGN="bottom" COLSPAN="6" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><FONT STYLE="font-family:Trebuchet MS; "><B>2018</B></FONT></TD>
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<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:7pt; font-family:Trebuchet MS"><B><U>INTEREST INCOME</U></B></P></TD>
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<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:7pt; font-family:Trebuchet MS">Interest and fees on loans and leases</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">1,312</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">1,356</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">1,392</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">1,381</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">1,347</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
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<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">($</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">44</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">)&nbsp;</FONT></TD>
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<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">(3</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">%)&nbsp;</FONT></TD>
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<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">($</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">35</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">)&nbsp;</FONT></TD>
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<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">(3</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">%)&nbsp;</FONT></TD>
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<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">5,441</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">5,010</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
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<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">431</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
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<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">9</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">%&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:arial; font-size:7pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:7pt; font-family:Trebuchet MS">Interest and fees on loans held for sale</P></TD>
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<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">18</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">19</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">15</FONT></TD>
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<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">11</FONT></TD>
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<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">14</FONT></TD>
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<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">(1</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">)&nbsp;</FONT></TD>
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<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">(5</FONT></TD>
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<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">4</FONT></TD>
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<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">29</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
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<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">63</FONT></TD>
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<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">37</FONT></TD>
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<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">26</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
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<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">70</FONT></TD>
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<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:7pt; font-family:Trebuchet MS">Interest and fees on other loans held for sale</P></TD>
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<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">5</FONT></TD>
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<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">2</FONT></TD>
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<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">2</FONT></TD>
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<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">4</FONT></TD>
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<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">1</FONT></TD>
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<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">3</FONT></TD>
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<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">150</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">4</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">NM</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">13</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">10</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">3</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">30</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:arial; font-size:7pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:7pt; font-family:Trebuchet MS">Investment securities</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">159</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">153</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">164</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">166</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">172</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">6</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">4</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">(13</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">)&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">(8</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">)&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">642</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">672</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">(30</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">)&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">(4</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">)&nbsp;</FONT></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:arial; font-size:7pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:7pt; font-family:Trebuchet MS">Interest-bearing deposits in banks</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">7</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">8</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">7</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">8</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">8</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">(1</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">)&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">(13</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">)&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">(1</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">)&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">(13</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">)&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">30</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">29</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">1</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">3</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:arial; font-size:7pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:5.00em; text-indent:-1.00em; font-size:7pt; font-family:Trebuchet MS"><B>Total interest income</B></P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; "><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; "><B>1,501</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; "><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; "><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; "><B>1,538</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; "><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; "><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; "><B>1,580</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; "><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; "><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; "><B>1,570</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; "><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; "><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; "><B>1,542</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; "><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">(37</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">)&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">(2</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">)&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">(41</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">)&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">(3</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">)&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; "><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; "><B>6,189</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; "><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; "><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; "><B>5,758</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; "><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">431</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">7</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:arial; font-size:7pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:7pt; font-family:Trebuchet MS"><B><U>INTEREST EXPENSE</U></B></P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
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<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
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<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:arial; font-size:7pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:7pt; font-family:Trebuchet MS">Deposits</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">263</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">297</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">308</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">287</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">245</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">(34</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">)&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">(11</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">)&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">18</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">7</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">1,155</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">785</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">370</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">47</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:arial; font-size:7pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:7pt; font-family:Trebuchet MS">Federal funds purchased and securities sold under agreements to repurchase</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">1</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">2</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">3</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">2</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">2</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">(1</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">)&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">(50</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">)&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">(1</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">)&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">(50</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">)&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">8</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">6</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">2</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">33</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:arial; font-size:7pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:7pt; font-family:Trebuchet MS">Other short-term borrowed funds<SUP STYLE="font-size:85%; vertical-align:top">1 </SUP></P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">1</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">&#151;&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">1</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">&#151;&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">2</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">1</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">100</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">(1</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">)&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">(50</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">)&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">2</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">9</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">(7</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">)&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">(78</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">)&nbsp;</FONT></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:arial; font-size:7pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:7pt; font-family:Trebuchet MS">Long-term borrowed funds<SUP STYLE="font-size:85%; vertical-align:top">1 </SUP></P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">93</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">94</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">102</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">121</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">121</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">(1</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">)&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">(1</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">)&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">(28</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">)&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">(23</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">)&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">410</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">426</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">(16</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">)&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">(4</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">)&nbsp;</FONT></TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:arial; font-size:7pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:5.00em; text-indent:-1.00em; font-size:7pt; font-family:Trebuchet MS"><B>Total interest expense</B></P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; "><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; "><B>358</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; "><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; "><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; "><B>393</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; "><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; "><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; "><B>414</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; "><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; "><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; "><B>410</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; "><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; "><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; "><B>370</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; "><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">(35</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">)&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">(9</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">)&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">(12</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">)&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">(3</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">)&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; "><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; "><B>1,575</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; "><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; "><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; "><B>1,226</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; "><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">349</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">28</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:arial; font-size:7pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:5.00em; text-indent:-1.00em; font-size:7pt; font-family:Trebuchet MS"><B>Net interest income</B></P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; "><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; "><B>1,143</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; "><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; "><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; "><B>1,145</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; "><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; "><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; "><B>1,166</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; "><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; "><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; "><B>1,160</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; "><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; "><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; "><B>1,172</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; "><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">(2</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">)&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">&#151;&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">(29</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">)&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">(2</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">)&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; "><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; "><B>4,614</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; "><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; "><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; "><B>4,532</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; "><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">82</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">2</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:arial; font-size:7pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:7pt; font-family:Trebuchet MS"><B><U>NONINTEREST INCOME</U></B></P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:arial; font-size:7pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:7pt; font-family:Trebuchet MS">Service charges and fees</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">128</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">128</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">126</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">123</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">131</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">&#151;&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">&#151;&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">(3</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">)&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">(2</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">)&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">505</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">513</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">(8</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">)&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">(2</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">)&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:arial; font-size:7pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:7pt; font-family:Trebuchet MS">Mortgage banking fees</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">80</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">117</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">62</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">43</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">51</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">(37</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">)&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">(32</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">)&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">29</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">57</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">302</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">152</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">150</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">99</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:arial; font-size:7pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:7pt; font-family:Trebuchet MS">Card fees</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">64</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">67</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">64</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">59</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">62</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">(3</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">)&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">(4</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">)&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">2</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">3</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">254</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">244</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">10</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">4</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:arial; font-size:7pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:7pt; font-family:Trebuchet MS">Capital markets fees</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">66</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">39</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">57</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">54</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">45</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">27</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">69</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">21</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">47</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">216</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">179</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">37</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">21</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:arial; font-size:7pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:7pt; font-family:Trebuchet MS">Trust and investment services fees</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">52</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">50</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">53</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">47</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">43</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">2</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">4</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">9</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">21</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">202</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">171</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">31</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">18</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:arial; font-size:7pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:7pt; font-family:Trebuchet MS">Foreign exchange and interest rate products</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">49</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">35</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">35</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">36</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">34</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">14</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">40</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">15</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">44</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">155</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">126</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">29</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">23</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:arial; font-size:7pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:7pt; font-family:Trebuchet MS">Letter of credit and loan fees</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">35</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">34</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">33</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">33</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">34</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">1</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">3</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">1</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">3</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">135</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">128</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">7</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">5</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:arial; font-size:7pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:7pt; font-family:Trebuchet MS">Securities gains, net</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">4</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">3</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">4</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">8</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">6</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">1</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">33</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">(2</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">)&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">(33</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">)&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">19</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">19</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">&#151;&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">&#151;&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:arial; font-size:7pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:7pt; font-family:Trebuchet MS">Other income</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">16</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">20</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">28</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">25</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">15</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">(4</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">)&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">(20</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">)&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">1</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">7</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">89</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">64</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">25</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">39</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:arial; font-size:7pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:5.00em; text-indent:-1.00em; font-size:7pt; font-family:Trebuchet MS"><B>Total noninterest income</B></P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; "><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; "><B>494</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; "><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; "><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; "><B>493</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; "><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; "><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; "><B>462</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; "><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; "><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; "><B>428</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; "><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; "><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; "><B>421</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; "><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">1</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">&#151;&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">73</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">17</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; "><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; "><B>1,877</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; "><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; "><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; "><B>1,596</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; "><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">281</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">18</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:arial; font-size:7pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:7pt; font-family:Trebuchet MS"><B>TOTAL REVENUE</B></P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; "><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; "><B>1,637</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; "><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; "><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; "><B>1,638</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; "><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; "><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; "><B>1,628</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; "><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; "><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; "><B>1,588</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; "><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; "><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; "><B>1,593</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; "><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">(1</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">)&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">&#151;&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">44</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">3</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; "><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; "><B>6,491</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; "><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; "><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; "><B>6,128</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; "><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">363</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">6</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:arial; font-size:7pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:7pt; font-family:Trebuchet MS">Provision for credit losses</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">110</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">101</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">97</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">85</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">85</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">9</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">9</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">25</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">29</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">393</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">326</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">67</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">21</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:arial; font-size:7pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:7pt; font-family:Trebuchet MS"><B><U>NONINTEREST EXPENSE</U></B></P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:arial; font-size:7pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:7pt; font-family:Trebuchet MS">Salaries and employee benefits</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">502</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">508</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">507</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">509</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">483</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">(6</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">)&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">(1</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">)&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">19</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">4</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">2,026</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">1,880</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">146</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">8</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:arial; font-size:7pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:7pt; font-family:Trebuchet MS">Equipment and software expense<SUP STYLE="font-size:85%; vertical-align:top">2 </SUP></P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">133</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">130</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">126</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">125</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">124</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">3</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">2</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">9</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">7</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">514</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">464</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">50</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">11</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:arial; font-size:7pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:7pt; font-family:Trebuchet MS">Outside services</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">142</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">128</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">118</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">110</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">135</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">14</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">11</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">7</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">5</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">498</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">447</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">51</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">11</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:arial; font-size:7pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:7pt; font-family:Trebuchet MS">Occupancy</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">88</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">80</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">82</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">83</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">92</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">8</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">10</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">(4</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">)&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">(4</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">)&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">333</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">333</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">&#151;&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">&#151;&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:arial; font-size:7pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:7pt; font-family:Trebuchet MS">Other operating expense</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">121</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">127</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">118</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">110</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">117</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">(6</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">)&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">(5</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">)&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">4</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">3</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">476</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">495</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">(19</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">)&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">(4</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">)&nbsp;</FONT></TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:arial; font-size:7pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:5.00em; text-indent:-1.00em; font-size:7pt; font-family:Trebuchet MS"><B>Total noninterest expense</B></P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; "><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; "><B>986</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; "><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; "><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; "><B>973</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; "><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; "><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; "><B>951</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; "><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; "><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; "><B>937</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; "><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; "><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; "><B>951</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; "><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">13</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">1</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">35</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">4</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; "><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; "><B>3,847</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; "><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; "><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; "><B>3,619</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; "><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">228</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">6</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:arial; font-size:7pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:5.00em; text-indent:-1.00em; font-size:7pt; font-family:Trebuchet MS"><B>Income before income tax expense</B></P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; "><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; "><B>541</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; "><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; "><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; "><B>564</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; "><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; "><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; "><B>580</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; "><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; "><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; "><B>566</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; "><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; "><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; "><B>557</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; "><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">(23</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">)&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">(4</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">)&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">(16</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">)&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">(3</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">)&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; "><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; "><B>2,251</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; "><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; "><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; "><B>2,183</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; "><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">68</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">3</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:arial; font-size:7pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:5.00em; text-indent:-1.00em; font-size:7pt; font-family:Trebuchet MS">Income tax expense</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">91</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">115</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">127</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">127</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">92</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">(24</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">)&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">(21</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">)&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">(1</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">)&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">(1</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">)&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">460</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">462</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">(2</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">)&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">&#151;&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:arial; font-size:7pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:5.00em; text-indent:-1.00em; font-size:7pt; font-family:Trebuchet MS"><B>Net income</B></P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; "><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; "><B>450</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; "><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; "><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; "><B>449</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; "><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; "><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; "><B>453</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; "><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; "><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; "><B>439</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; "><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; "><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; "><B>465</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; "><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">1</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">&#151;&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">%&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">($</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">15</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">)&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">(3</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">%)&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; "><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; "><B>1,791</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; "><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; "><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; "><B>1,721</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; "><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">70</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">4</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">%&nbsp;</FONT></TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:arial; font-size:7pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:5.00em; text-indent:-1.00em; font-size:7pt; font-family:Trebuchet MS"><B>Net income, Underlying<SUP STYLE="font-size:85%; vertical-align:top">3 </SUP></B></P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; "><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; "><B>454</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; "><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; "><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; "><B>453</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; "><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; "><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; "><B>458</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; "><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; "><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; "><B>443</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; "><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; "><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; "><B>474</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; "><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">1</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">&#151;&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">%&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">($</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">20</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">)&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">(4</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">%)&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; "><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; "><B>1,808</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; "><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; "><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; "><B>1,737</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; "><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">71</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">4</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">%&nbsp;</FONT></TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:arial; font-size:7pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:5.00em; text-indent:-1.00em; font-size:7pt; font-family:Trebuchet MS"><B>Net income available to common stockholders</B></P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; "><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; "><B>427</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; "><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; "><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; "><B>432</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; "><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; "><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; "><B>435</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; "><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; "><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; "><B>424</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; "><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; "><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; "><B>450</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; "><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">($</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">5</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">)&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">(1</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">%)&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">($</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">23</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">)&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">(5</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">%)&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; "><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; "><B>1,718</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; "><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; "><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; "><B>1,692</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; "><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">26</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">2</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">%&nbsp;</FONT></TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:arial; font-size:7pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:5.00em; text-indent:-1.00em; font-size:7pt; font-family:Trebuchet MS"><B>Net income available to common stockholders, Underlying<SUP
STYLE="font-size:85%; vertical-align:top">3 </SUP></B></P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; "><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; "><B>431</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; "><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; "><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; "><B>436</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; "><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; "><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; "><B>440</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; "><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; "><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; "><B>428</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; "><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; "><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; "><B>459</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; "><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">($</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">5</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">)&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">(1</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">%)&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">($</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">28</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">)&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">(6</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">%)&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; "><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; "><B>1,735</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; "><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; "><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; "><B>1,708</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; "><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">27</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">2</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">%&nbsp;</FONT></TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR></TABLE> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Trebuchet MS; font-size:7pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="3%" VALIGN="top" ALIGN="left"><SUP STYLE="font-size:85%; vertical-align:top">1</SUP></TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:7pt; font-family:Trebuchet MS; " ALIGN="left">Beginning in the first quarter of 2019, borrowed funds balances and the associated interest expense are based on
original maturity. Prior periods have been adjusted to conform with the current period presentation. </P></TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Trebuchet MS; font-size:7pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="3%" VALIGN="top" ALIGN="left"><SUP STYLE="font-size:85%; vertical-align:top">2</SUP></TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:7pt; font-family:Trebuchet MS; " ALIGN="left">Beginning in the first quarter of 2019, we combined our presentation of equipment expense and amortization of
software into equipment and software expense. Prior periods have been adjusted to conform with the current period presentation. </P></TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Trebuchet MS; font-size:7pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="3%" VALIGN="top" ALIGN="left"><SUP STYLE="font-size:85%; vertical-align:top">3</SUP></TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:7pt; font-family:Trebuchet MS; " ALIGN="left">These are <FONT STYLE="white-space:nowrap">non-GAAP</FONT> financial measures. For further information on these
measures, refer to &#147;Key Performance Metrics, <FONT STYLE="white-space:nowrap">Non-GAAP</FONT> Financial Measures and Reconciliations&#148; at the end of this document. </P></TD></TR></TABLE>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Trebuchet MS" ALIGN="center">5 </P>


<p Style='page-break-before:always'>
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">

 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Trebuchet MS"><B><A NAME="ex99_3866808_3"></A>CONSOLIDATED BALANCE SHEETS (unaudited) </B></P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Trebuchet MS"><B>(in millions) </B></P> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:7pt" ALIGN="center">


<TR>

<TD WIDTH="66%"></TD>

<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>

<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>

<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>

<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>

<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>

<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>

<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>

<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>

<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD></TD>
<TD></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:arial; font-size:7pt">
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; "><B><FONT STYLE="white-space:nowrap">PERIOD-END</FONT> BALANCES</B></FONT></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="18" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><FONT STYLE="font-family:Trebuchet MS; "><B>AS OF</B></FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="14" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><FONT STYLE="font-family:Trebuchet MS; "><B>DECEMBER&nbsp;31, 2019 CHANGE</B></FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:arial; font-size:7pt">
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><FONT STYLE="font-family:Trebuchet MS; "><B>Dec&nbsp;31,&nbsp;2019</B></FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><FONT STYLE="font-family:Trebuchet MS; "><B>Sept&nbsp;30,&nbsp;2019</B></FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><FONT STYLE="font-family:Trebuchet MS; "><B>June&nbsp;30,&nbsp;2019</B></FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><FONT STYLE="font-family:Trebuchet MS; "><B>Mar&nbsp;31,&nbsp;2019</B></FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><FONT STYLE="font-family:Trebuchet MS; "><B>Dec&nbsp;31,&nbsp;2018</B></FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="6" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><FONT STYLE="font-family:Trebuchet MS; "><B>September&nbsp;30,&nbsp;2019</B></FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="6" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><FONT STYLE="font-family:Trebuchet MS; "><B>December&nbsp;31,&nbsp;2018</B></FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:arial; font-size:8pt">
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD COLSPAN="2" VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD COLSPAN="2" VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD COLSPAN="2" VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD COLSPAN="2" VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD COLSPAN="2" VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" NOWRAP ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><FONT STYLE="font-family:Trebuchet MS; "><B>$</B></FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><FONT STYLE="font-family:Trebuchet MS; "><B>%</B></FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" NOWRAP ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><FONT STYLE="font-family:Trebuchet MS; "><B>$</B></FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><FONT STYLE="font-family:Trebuchet MS; "><B>%</B></FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>


<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:arial; font-size:7pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:7pt; font-family:Trebuchet MS"><B><U>ASSETS</U></B></P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:arial; font-size:7pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:7pt; font-family:Trebuchet MS">Cash and due from banks</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">1,175</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">1,638</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">996</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">923</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">1,081</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">($</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">463</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">)&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">(28</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">%)&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">94</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">9</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">%&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:arial; font-size:7pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:7pt; font-family:Trebuchet MS">Interest-bearing cash and due from banks</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">2,211</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">2,204</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">2,039</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">1,513</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">2,993</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">7</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">&#151;&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">(782</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">)&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">(26</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">)&nbsp;</FONT></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:arial; font-size:7pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:7pt; font-family:Trebuchet MS">Interest-bearing deposits in banks</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">297</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">158</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">186</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">167</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">148</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">139</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">88</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">149</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">101</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:arial; font-size:7pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:7pt; font-family:Trebuchet MS">Debt securities available for sale, at fair value</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">20,613</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">21,502</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">21,698</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">21,504</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">19,895</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">(889</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">)&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">(4</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">)&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">718</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">4</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:arial; font-size:7pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:7pt; font-family:Trebuchet MS">Debt securities held to maturity</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">3,202</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">3,319</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">3,447</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">3,345</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">4,165</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">(117</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">)&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">(4</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">)&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">(963</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">)&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">(23</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">)&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:arial; font-size:7pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:7pt; font-family:Trebuchet MS">Equity securities, at fair value</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">47</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">47</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">47</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">198</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">181</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">&#151;&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">&#151;&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">(134</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">)&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">(74</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">)&nbsp;</FONT></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:arial; font-size:7pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:7pt; font-family:Trebuchet MS">Equity securities, at cost</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">807</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">734</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">706</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">604</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">834</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">73</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">10</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">(27</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">)&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">(3</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">)&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:arial; font-size:7pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:7pt; font-family:Trebuchet MS">Loans held for sale, at fair value</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">1,946</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">1,993</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">1,750</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">1,186</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">1,219</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">(47</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">)&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">(2</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">)&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">727</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">60</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:arial; font-size:7pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:7pt; font-family:Trebuchet MS">Other loans held for sale</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">1,384</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">22</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">455</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">66</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">101</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">1,362</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">NM</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">1,283</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">NM</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:arial; font-size:7pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:7pt; font-family:Trebuchet MS">Loans and leases</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">119,088</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">117,880</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">116,838</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">117,615</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">116,660</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">1,208</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">1</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">2,428</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">2</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:arial; font-size:7pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:7pt; font-family:Trebuchet MS">Less: Allowance for loan and lease losses</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">(1,252</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">)&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">(1,263</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">)&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">(1,227</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">)&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">(1,245</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">)&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">(1,242</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">)&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">11</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">1</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">(10</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">)&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">(1</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">)&nbsp;</FONT></TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:arial; font-size:7pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:5.00em; text-indent:-1.00em; font-size:7pt; font-family:Trebuchet MS">Net loans and leases</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">117,836</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">116,617</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">115,611</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">116,370</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">115,418</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">1,219</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">1</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">2,418</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">2</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:arial; font-size:7pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:7pt; font-family:Trebuchet MS">Derivative assets</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">807</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">1,027</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">833</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">465</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">317</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">(220</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">)&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">(21</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">)&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">490</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">155</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:arial; font-size:7pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:7pt; font-family:Trebuchet MS">Premises and equipment</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">761</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">747</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">740</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">746</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">791</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">14</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">2</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">(30</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">)&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">(4</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">)&nbsp;</FONT></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:arial; font-size:7pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:7pt; font-family:Trebuchet MS">Bank-owned life insurance</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">1,725</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">1,720</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">1,711</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">1,705</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">1,698</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">5</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">&#151;&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">27</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">2</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:arial; font-size:7pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:7pt; font-family:Trebuchet MS">Goodwill</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">7,044</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">7,044</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">7,040</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">7,040</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">6,923</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">&#151;&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">&#151;&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">121</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">2</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:arial; font-size:7pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:7pt; font-family:Trebuchet MS">Due from broker</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">&#151;&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">257</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">249</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">92</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">&#151;&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">(257</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">)&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">(100</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">)&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">&#151;&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">&#151;&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:arial; font-size:7pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:7pt; font-family:Trebuchet MS">Other assets</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">5,878</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">5,333</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">5,241</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">5,418</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">4,754</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">545</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">10</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">1,124</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">24</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:arial; font-size:7pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:5.00em; text-indent:-1.00em; font-size:7pt; font-family:Trebuchet MS"><B>TOTAL ASSETS</B></P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; "><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; "><B>165,733</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; "><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; "><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; "><B>164,362</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; "><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; "><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; "><B>162,749</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; "><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; "><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; "><B>161,342</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; "><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; "><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; "><B>160,518</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; "><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">1,371</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">1%</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">5,215</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">3</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">%&nbsp;</FONT></TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:arial; font-size:7pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:7pt; font-family:Trebuchet MS"><B><U>LIABILITIES AND STOCKHOLDERS&#146; EQUITY</U></B></P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:arial; font-size:7pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:7pt; font-family:Trebuchet MS"><B><U>LIABILITIES</U></B></P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:arial; font-size:7pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:7pt; font-family:Trebuchet MS">Deposits:</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:arial; font-size:7pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:5.00em; text-indent:-1.00em; font-size:7pt; font-family:Trebuchet MS">Noninterest-bearing</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">29,233</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">29,939</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">28,192</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">28,383</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">29,458</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">($</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">706</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">)&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">(2</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">%)&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">($</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">225</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">)&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">(1</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">%)&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:arial; font-size:7pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:5.00em; text-indent:-1.00em; font-size:7pt; font-family:Trebuchet MS">Interest-bearing</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">96,080</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">94,775</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">95,812</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">95,533</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">90,117</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">1,305</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">1</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">5,963</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">7</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:arial; font-size:7pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:7.00em; text-indent:-1.00em; font-size:7pt; font-family:Trebuchet MS">Total deposits</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">125,313</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">124,714</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">124,004</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">123,916</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">119,575</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">599</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">&#151;&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">5,738</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">5</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:arial; font-size:7pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:7pt; font-family:Trebuchet MS">Federal funds purchased and securities sold under agreements to repurchase<SUP
STYLE="font-size:85%; vertical-align:top">1 </SUP></P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">265</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">867</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">1,132</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">668</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">1,156</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">(602</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">)&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">(69</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">)&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">(891</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">)&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">(77</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">)&nbsp;</FONT></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:arial; font-size:7pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:7pt; font-family:Trebuchet MS">Other short-term borrowed funds<SUP STYLE="font-size:85%; vertical-align:top">2 </SUP></P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">9</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">210</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">309</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">11</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">161</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">(201</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">)&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">(96</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">)&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">(152</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">)&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">(94</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">)&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:arial; font-size:7pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:7pt; font-family:Trebuchet MS">Derivative liabilities</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">120</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">161</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">106</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">173</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">292</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">(41</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">)&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">(25</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">)&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">(172</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">)&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">(59</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">)&nbsp;</FONT></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:arial; font-size:7pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:7pt; font-family:Trebuchet MS">Deferred taxes, net</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">866</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">752</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">767</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">676</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">573</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">114</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">15</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">293</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">51</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:arial; font-size:7pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:7pt; font-family:Trebuchet MS">Long-term borrowed funds<SUP STYLE="font-size:85%; vertical-align:top">2 </SUP></P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">14,047</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">12,806</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">11,538</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">11,725</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">15,925</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">1,241</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">10</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">(1,878</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">)&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">(12</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">)&nbsp;</FONT></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:arial; font-size:7pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:7pt; font-family:Trebuchet MS">Due to broker</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">&#151;&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">206</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">257</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">93</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">&#151;&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">(206</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">)&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">(100</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">)&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">&#151;&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">&#151;&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:arial; font-size:7pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:7pt; font-family:Trebuchet MS">Other liabilities</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">2,912</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">2,795</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">2,619</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">2,549</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">2,019</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">117</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">4</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">893</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">44</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:arial; font-size:7pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:5.00em; text-indent:-1.00em; font-size:7pt; font-family:Trebuchet MS"><B>TOTAL LIABILITIES</B></P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; "><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; "><B>143,532</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; "><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; "><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; "><B>142,511</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; "><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; "><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; "><B>140,732</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; "><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; "><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; "><B>139,811</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; "><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; "><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; "><B>139,701</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; "><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">1,021</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">1</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">3,831</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">3</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:arial; font-size:7pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:7pt; font-family:Trebuchet MS"><B><U>STOCKHOLDERS&#146; EQUITY</U></B></P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:arial; font-size:7pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:7pt; font-family:Trebuchet MS">Preferred stock:</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:arial; font-size:7pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:5.00em; text-indent:-1.00em; font-size:7pt; font-family:Trebuchet MS">$25.00 par value, 100,000,000 shares authorized for each of the periods presented</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">1,570</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">1,133</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">1,133</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">1,132</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">840</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">437</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">39</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">730</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">87</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:arial; font-size:7pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:7pt; font-family:Trebuchet MS">Common stock:</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:arial; font-size:7pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:5.00em; text-indent:-1.00em; font-size:7pt; font-family:Trebuchet MS">$0.01 par value, 1,000,000,000 shares authorized for each of the periods presented</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">6</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">6</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">6</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">6</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">6</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">&#151;&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">&#151;&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">&#151;&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">&#151;&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:arial; font-size:7pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:7pt; font-family:Trebuchet MS">Additional <FONT STYLE="white-space:nowrap">paid-in</FONT> capital</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">18,891</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">18,876</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">18,860</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">18,847</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">18,815</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">15</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">&#151;&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">76</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">&#151;&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:arial; font-size:7pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:7pt; font-family:Trebuchet MS">Retained earnings</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">6,498</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">6,229</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">5,959</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">5,672</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">5,385</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">269</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">4</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">1,113</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">21</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:arial; font-size:7pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:7pt; font-family:Trebuchet MS">Treasury stock, at cost</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">(4,353</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">)&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">(3,953</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">)&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">(3,453</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">)&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">(3,333</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">)&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">(3,133</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">)&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">(400</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">)&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">(10</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">)&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">(1,220</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">)&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">(39</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">)&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:arial; font-size:7pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:7pt; font-family:Trebuchet MS">Accumulated other comprehensive loss</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">(411</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">)&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">(440</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">)&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">(488</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">)&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">(793</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">)&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">(1,096</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">)&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">29</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">7</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">685</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">63</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:arial; font-size:7pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:5.00em; text-indent:-1.00em; font-size:7pt; font-family:Trebuchet MS"><B>TOTAL STOCKHOLDERS&#146; EQUITY</B></P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; "><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; "><B>22,201</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; "><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; "><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; "><B>21,851</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; "><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; "><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; "><B>22,017</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; "><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; "><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; "><B>21,531</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; "><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; "><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; "><B>20,817</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; "><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">350</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">2</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">1,384</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">7</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:arial; font-size:7pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:5.00em; text-indent:-1.00em; font-size:7pt; font-family:Trebuchet MS"><B>TOTAL LIABILITIES AND STOCKHOLDERS&#146; EQUITY</B></P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; "><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; "><B>165,733</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; "><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; "><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; "><B>164,362</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; "><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; "><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; "><B>162,749</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; "><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; "><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; "><B>161,342</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; "><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; "><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; "><B>160,518</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; "><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">1,371</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">1</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">%&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">5,215</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">3</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">%&nbsp;</FONT></TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:arial; font-size:7pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:7pt; font-family:Trebuchet MS">Memo: Total tangible common equity</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">13,893</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">13,976</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">14,141</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">13,649</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">13,389</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">($</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">83</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">)&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">(1</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">%)&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">504</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">4</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">%&nbsp;</FONT></TD></TR>
</TABLE> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Trebuchet MS; font-size:7pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="3%" VALIGN="top" ALIGN="left"><SUP STYLE="font-size:85%; vertical-align:top">1</SUP></TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:7pt; font-family:Trebuchet MS; " ALIGN="left">Balances are net of certain short-term receivables associated with reverse repurchase agreements.
</P></TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Trebuchet MS; font-size:7pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="3%" VALIGN="top" ALIGN="left"><B><SUP STYLE="font-size:85%; vertical-align:top">2</SUP></B></TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:7pt; font-family:Trebuchet MS; " ALIGN="left"><B></B>Beginning in the first quarter of 2019, borrowed funds balances and the associated interest expense are
based on original maturity. Prior periods have been adjusted to conform with the current period presentation. </P></TD></TR></TABLE>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Trebuchet MS" ALIGN="center">6 </P>


<p Style='page-break-before:always'>
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">

 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Trebuchet MS"><B><A NAME="ex99_3866808_4"></A>LOANS AND DEPOSITS </B></P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Trebuchet MS"><B>(in millions) </B></P> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:8pt" ALIGN="center">


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<TD VALIGN="bottom" WIDTH="2%"></TD>
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<TD VALIGN="bottom" WIDTH="2%"></TD>
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<TR STYLE="page-break-inside:avoid ; font-family:arial; font-size:8pt">
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; "><B><FONT STYLE="white-space:nowrap">PERIOD-END</FONT> BALANCES</B></FONT></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="18" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><FONT STYLE="font-family:Trebuchet MS; "><B>AS OF</B></FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="14" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><FONT STYLE="font-family:Trebuchet MS; "><B>DECEMBER&nbsp;31,&nbsp;2019&nbsp;CHANGE</B></FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:arial; font-size:8pt">
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><FONT STYLE="font-family:Trebuchet MS; "><B>Dec&nbsp;31,&nbsp;2019</B></FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><FONT STYLE="font-family:Trebuchet MS; "><B>Sept&nbsp;30,&nbsp;2019</B></FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><FONT STYLE="font-family:Trebuchet MS; "><B>June&nbsp;30,&nbsp;2019</B></FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><FONT STYLE="font-family:Trebuchet MS; "><B>Mar&nbsp;31,&nbsp;2019</B></FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><FONT STYLE="font-family:Trebuchet MS; "><B>Dec&nbsp;31,&nbsp;2018</B></FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="6" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><FONT STYLE="font-family:Trebuchet MS; "><B>Sept&nbsp;30,&nbsp;2019</B></FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="6" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><FONT STYLE="font-family:Trebuchet MS; "><B>December&nbsp;31,&nbsp;2018</B></FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:arial; font-size:8pt">
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD COLSPAN="2" VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD COLSPAN="2" VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD COLSPAN="2" VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD COLSPAN="2" VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD COLSPAN="2" VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" NOWRAP ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><FONT STYLE="font-family:Trebuchet MS; "><B>$</B></FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><FONT STYLE="font-family:Trebuchet MS; "><B>%</B></FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" NOWRAP ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><FONT STYLE="font-family:Trebuchet MS; "><B>$</B></FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><FONT STYLE="font-family:Trebuchet MS; "><B>%</B></FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>


<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:arial; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:8pt; font-family:Trebuchet MS"><B><U>LOANS AND LEASES</U></B></P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:arial; font-size:8pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:8pt; font-family:Trebuchet MS">Commercial</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">41,479</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">41,356</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">41,156</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">41,497</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">40,857</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">123</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">&#151;&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">%&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">622</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">2</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">%&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:arial; font-size:8pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:8pt; font-family:Trebuchet MS">Commercial real estate</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">13,522</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">12,820</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">13,123</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">13,372</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">13,023</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">702</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">5</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">499</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">4</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:arial; font-size:8pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:8pt; font-family:Trebuchet MS">Leases</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">2,537</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">2,557</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">2,684</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">2,820</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">2,903</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">(20</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">)&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">(1</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">)&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">(366</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">)&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">(13</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">)&nbsp;</FONT></TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:arial; font-size:8pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:5.00em; text-indent:-1.00em; font-size:8pt; font-family:Trebuchet MS">Total commercial loans and leases</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">57,538</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">56,733</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">56,963</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">57,689</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">56,783</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">805</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">1</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">755</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">1</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:arial; font-size:8pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:8pt; font-family:Trebuchet MS">Residential mortgages</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">19,083</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">19,699</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">19,192</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">19,174</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">18,978</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">(616</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">)&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">(3</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">)&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">105</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">1</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:arial; font-size:8pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:8pt; font-family:Trebuchet MS">Home equity loans</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">812</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">876</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">938</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">1,006</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">1,073</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">(64</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">)&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">(7</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">)&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">(261</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">)&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">(24</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">)&nbsp;</FONT></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:arial; font-size:8pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:8pt; font-family:Trebuchet MS">Home equity lines of credit</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">11,979</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">12,148</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">12,266</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">12,394</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">12,710</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">(169</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">)&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">(1</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">)&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">(731</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">)&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">(6</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">)&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:arial; font-size:8pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:8pt; font-family:Trebuchet MS">Home equity loans serviced by others</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">289</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">318</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">348</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">375</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">399</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">(29</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">)&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">(9</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">)&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">(110</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">)&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">(28</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">)&nbsp;</FONT></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:arial; font-size:8pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:8pt; font-family:Trebuchet MS">Home equity lines of credit serviced by others</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">74</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">81</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">88</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">95</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">104</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">(7</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">)&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">(9</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">)&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">(30</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">)&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">(29</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">)&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:arial; font-size:8pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:8pt; font-family:Trebuchet MS">Automobile</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">12,120</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">12,070</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">12,000</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">11,992</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">12,106</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">50</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">&#151;&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">14</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">&#151;&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:arial; font-size:8pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:8pt; font-family:Trebuchet MS">Education</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">10,347</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">9,729</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">9,305</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">9,274</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">8,900</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">618</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">6</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">1,447</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">16</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:arial; font-size:8pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:8pt; font-family:Trebuchet MS">Credit card</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">2,198</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">2,133</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">2,046</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">1,982</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">1,991</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">65</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">3</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">207</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">10</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:arial; font-size:8pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:8pt; font-family:Trebuchet MS">Other retail</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">4,648</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">4,093</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">3,692</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">3,634</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">3,616</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">555</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">14</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">1,032</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">29</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:arial; font-size:8pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:5.00em; text-indent:-1.00em; font-size:8pt; font-family:Trebuchet MS">Total retail loans</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">61,550</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">61,147</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">59,875</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">59,926</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">59,877</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">403</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">1</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">1,673</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">3</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:arial; font-size:8pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:5.00em; text-indent:-1.00em; font-size:8pt; font-family:Trebuchet MS"><B>Total loans and leases</B></P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">119,088</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">117,880</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">116,838</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">117,615</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">116,660</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">1,208</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">1</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">%&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">2,428</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">2</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">%&nbsp;</FONT></TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:arial; font-size:8pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:5.00em; text-indent:-1.00em; font-size:8pt; font-family:Trebuchet MS">Loans held for sale, at fair value</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">1,946</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">1,993</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">1,750</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">1,186</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">1,219</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">(47</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">)&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">(2</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">)&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">727</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">60</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:arial; font-size:8pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:8pt; font-family:Trebuchet MS">Other loans held for sale</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">1,384</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">22</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">455</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">66</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">101</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">1,362</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">NM</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">1,283</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">NM</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:arial; font-size:8pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:5.00em; text-indent:-1.00em; font-size:8pt; font-family:Trebuchet MS"><B>Loans and leases and loans held for sale</B></P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">122,418</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">119,895</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">119,043</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">118,867</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">117,980</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">2,523</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">2</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">%&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">4,438</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">4</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">%&nbsp;</FONT></TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:arial; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:8pt; font-family:Trebuchet MS"><B><U>DEPOSITS</U></B></P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:arial; font-size:8pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:8pt; font-family:Trebuchet MS">Demand</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">29,233</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">29,939</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">28,192</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">28,383</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">29,458</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">($</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">706</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">)&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">(2</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">%)&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">($</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">225</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">)&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">(1</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">%)&nbsp;</FONT></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:arial; font-size:8pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:8pt; font-family:Trebuchet MS">Checking with interest</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">24,840</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">24,403</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">25,021</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">23,482</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">23,067</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">437</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">2</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">1,773</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">8</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:arial; font-size:8pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:8pt; font-family:Trebuchet MS">Regular savings</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">13,779</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">13,479</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">13,495</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">13,239</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">12,007</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">300</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">2</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">1,772</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">15</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:arial; font-size:8pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:8pt; font-family:Trebuchet MS">Money market accounts</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">38,725</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">36,826</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">35,329</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">35,972</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">35,701</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">1,899</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">5</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">3,024</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">8</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:arial; font-size:8pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:8pt; font-family:Trebuchet MS">Term deposits</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">18,736</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">20,067</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">21,967</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">22,840</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">19,342</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">(1,331</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">)&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">(7</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">)&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">(606</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">)&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">(3</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">)&nbsp;</FONT></TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:arial; font-size:8pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:5.00em; text-indent:-1.00em; font-size:8pt; font-family:Trebuchet MS"><B>Total deposits</B></P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">125,313</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">124,714</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">124,004</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">123,916</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">119,575</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">599</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">&#151;&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">%&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">5,738</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">5</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">%&nbsp;</FONT></TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
</TABLE>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Trebuchet MS" ALIGN="center">7 </P>


<p Style='page-break-before:always'>
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">

 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Trebuchet MS"><B><A NAME="ex99_3866808_5"></A>AVERAGE BALANCE SHEETS </B></P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Trebuchet MS"><B>(in millions) </B></P> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
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<TD WIDTH="34%"></TD>

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<TD></TD>
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<TR STYLE="page-break-inside:avoid ; font-family:arial; font-size:7pt">
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="34" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><FONT STYLE="font-family:Trebuchet MS; "><B>QUARTERLY TRENDS</B></FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="14" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><FONT STYLE="font-family:Trebuchet MS; "><B>FULL YEAR</B></FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:arial; font-size:7pt">
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD COLSPAN="2" VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD COLSPAN="2" VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD COLSPAN="2" VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD COLSPAN="2" VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD COLSPAN="2" VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="14" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><FONT STYLE="font-family:Trebuchet MS; "><B>4Q19 Change</B></FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD COLSPAN="2" VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD COLSPAN="2" VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="6" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><FONT STYLE="font-family:Trebuchet MS; "><B>2019&nbsp;Change</B></FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:arial; font-size:7pt">
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><FONT STYLE="font-family:Trebuchet MS; "><B>4Q19</B></FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><FONT STYLE="font-family:Trebuchet MS; "><B>3Q19</B></FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><FONT STYLE="font-family:Trebuchet MS; "><B>2Q19</B></FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><FONT STYLE="font-family:Trebuchet MS; "><B>1Q19</B></FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><FONT STYLE="font-family:Trebuchet MS; "><B>4Q18</B></FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="6" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><FONT STYLE="font-family:Trebuchet MS; "><B>3Q19</B></FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="6" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><FONT STYLE="font-family:Trebuchet MS; "><B>4Q18</B></FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><FONT STYLE="font-family:Trebuchet MS; "><B>2019</B></FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><FONT STYLE="font-family:Trebuchet MS; "><B>2018</B></FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="6" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><FONT STYLE="font-family:Trebuchet MS; "><B>2018</B></FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:arial; font-size:7pt">
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD COLSPAN="2" VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD COLSPAN="2" VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD COLSPAN="2" VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD COLSPAN="2" VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD COLSPAN="2" VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" NOWRAP ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><FONT STYLE="font-family:Trebuchet MS; "><B>$</B></FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><FONT STYLE="font-family:Trebuchet MS; "><B>%</B></FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" NOWRAP ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><FONT STYLE="font-family:Trebuchet MS; "><B>$</B></FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><FONT STYLE="font-family:Trebuchet MS; "><B>%</B></FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD COLSPAN="2" VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD COLSPAN="2" VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" NOWRAP ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><FONT STYLE="font-family:Trebuchet MS; "><B>$</B></FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><FONT STYLE="font-family:Trebuchet MS; "><B>%</B></FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>


<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:arial; font-size:7pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:7pt; font-family:Trebuchet MS"><B><U>ASSETS</U></B></P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
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<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:arial; font-size:7pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:7pt; font-family:Trebuchet MS">Interest-bearing cash and due from banks and deposits in banks</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">1,970</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">1,474</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">1,229</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">1,497</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">1,467</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">496</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">34</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">%&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">503</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">34</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">%&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">1,544</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">1,579</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">($</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">35</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">)&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">(2</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">%)&nbsp;</FONT></TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:arial; font-size:7pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:7pt; font-family:Trebuchet MS">Taxable investment securities</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">25,305</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">25,635</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">25,620</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">25,136</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">25,081</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">(330</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">)&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">(1</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">)&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">224</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">1</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">25,425</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">25,233</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">192</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">1</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:arial; font-size:7pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:7pt; font-family:Trebuchet MS"><FONT STYLE="white-space:nowrap">Non-taxable</FONT> investment securities</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">5</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">5</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">5</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">5</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">5</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">&#151;&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">&#151;&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">&#151;&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">&#151;&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">5</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">6</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">(1</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">)&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">(17</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">)&nbsp;</FONT></TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:arial; font-size:7pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:5.00em; text-indent:-1.00em; font-size:7pt; font-family:Trebuchet MS">Total investment securities</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">25,310</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">25,640</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">25,625</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">25,141</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">25,086</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">(330</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">)&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">(1</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">)&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">224</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">1</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">25,430</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">25,239</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">191</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">1</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:arial; font-size:7pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:5.00em; text-indent:-1.00em; font-size:7pt; font-family:Trebuchet MS">Investment securities and interest-bearing deposits</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">27,280</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">27,114</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">26,854</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">26,638</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">26,553</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">166</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">1</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">727</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">3</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">26,974</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">26,818</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">156</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">1</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:arial; font-size:7pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:7pt; font-family:Trebuchet MS">Commercial</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">42,012</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">41,476</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">41,755</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">41,562</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">40,472</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">536</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">1</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">1,540</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">4</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">41,702</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">39,363</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">2,339</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">6</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:arial; font-size:7pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:7pt; font-family:Trebuchet MS">Commercial real estate</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">13,103</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">12,892</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">13,379</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">13,272</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">12,900</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">211</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">2</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">203</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">2</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">13,160</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">12,299</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">861</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">7</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:arial; font-size:7pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:7pt; font-family:Trebuchet MS">Leases</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">2,546</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">2,615</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">2,745</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">2,873</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">2,938</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">(69</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">)&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">(3</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">)&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">(392</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">)&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">(13</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">)&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">2,694</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">3,038</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">(344</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">)&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">(11</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">)&nbsp;</FONT></TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:arial; font-size:7pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:5.00em; text-indent:-1.00em; font-size:7pt; font-family:Trebuchet MS">Total commercial loans and leases</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">57,661</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">56,983</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">57,879</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">57,707</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">56,310</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">678</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">1</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">1,351</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">2</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">57,556</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">54,700</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">2,856</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">5</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:arial; font-size:7pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:7pt; font-family:Trebuchet MS">Residential mortgages</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">19,495</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">19,405</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">19,232</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">19,094</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">18,713</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">90</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">&#151;&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">782</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">4</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">19,308</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">17,883</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">1,425</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">8</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:arial; font-size:7pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:7pt; font-family:Trebuchet MS">Home equity loans</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">843</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">906</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">971</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">1,039</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">1,101</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">(63</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">)&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">(7</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">)&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">(258</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">)&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">(23</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">)&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">939</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">1,215</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">(276</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">)&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">(23</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">)&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:arial; font-size:7pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:7pt; font-family:Trebuchet MS">Home equity lines of credit</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">12,045</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">12,182</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">12,332</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">12,552</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">12,790</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">(137</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">)&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">(1</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">)&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">(745</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">)&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">(6</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">)&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">12,276</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">13,043</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">(767</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">)&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">(6</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">)&nbsp;</FONT></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:arial; font-size:7pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:7pt; font-family:Trebuchet MS">Home equity loans serviced by others</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">301</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">330</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">359</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">385</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">411</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">(29</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">)&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">(9</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">)&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">(110</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">)&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">(27</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">)&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">343</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">463</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">(120</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">)&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">(26</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">)&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:arial; font-size:7pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:7pt; font-family:Trebuchet MS">Home equity lines of credit serviced by others</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">76</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">83</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">92</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">99</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">108</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">(7</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">)&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">(8</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">)&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">(32</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">)&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">(30</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">)&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">87</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">124</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">(37</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">)&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">(30</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">)&nbsp;</FONT></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:arial; font-size:7pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:7pt; font-family:Trebuchet MS">Automobile</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">12,099</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">12,036</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">11,984</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">12,070</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">12,179</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">63</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">1</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">(80</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">)&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">(1</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">)&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">12,047</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">12,555</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">(508</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">)&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">(4</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">)&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:arial; font-size:7pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:7pt; font-family:Trebuchet MS">Education</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">9,888</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">9,459</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">9,235</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">9,069</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">8,801</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">429</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">5</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">1,087</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">12</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">9,415</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">8,486</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">929</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">11</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:arial; font-size:7pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:7pt; font-family:Trebuchet MS">Credit cards</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">2,188</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">2,103</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">2,041</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">1,998</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">1,973</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">85</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">4</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">215</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">11</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">2,083</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">1,891</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">192</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">10</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:arial; font-size:7pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:7pt; font-family:Trebuchet MS">Other retail</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">4,309</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">3,770</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">3,658</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">3,636</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">3,507</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">539</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">14</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">802</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">23</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">3,846</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">3,113</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">733</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">24</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:arial; font-size:7pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:5.00em; text-indent:-1.00em; font-size:7pt; font-family:Trebuchet MS">Total retail loans</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">61,244</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">60,274</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">59,904</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">59,942</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">59,583</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">970</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">2</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">1,661</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">3</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">60,344</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">58,773</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">1,571</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">3</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:arial; font-size:7pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:5.00em; text-indent:-1.00em; font-size:7pt; font-family:Trebuchet MS">Total loans and leases</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">118,905</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">117,257</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">117,783</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">117,649</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">115,893</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">1,648</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">1</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">3,012</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">3</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">117,900</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">113,473</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">4,427</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">4</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:arial; font-size:7pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:7pt; font-family:Trebuchet MS">Loans held for sale, at fair value</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">2,209</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">1,970</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">1,528</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">1,035</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">1,245</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">239</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">12</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">964</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">77</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">1,689</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">844</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">845</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">100</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:arial; font-size:7pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:7pt; font-family:Trebuchet MS">Other loans held for sale</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">517</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">134</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">158</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">191</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">79</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">383</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">NM</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">438</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">NM</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">251</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">164</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">87</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">53</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:arial; font-size:7pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:5.00em; text-indent:-1.00em; font-size:7pt; font-family:Trebuchet MS">Total interest-earning assets</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">148,911</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">146,475</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">146,323</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">145,513</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">143,770</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">2,436</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">2</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">5,141</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">4</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">146,814</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">141,299</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">5,515</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">4</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:arial; font-size:7pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:7pt; font-family:Trebuchet MS">Allowance for loan and lease losses</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">(1,260</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">)&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">(1,226</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">)&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">(1,247</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">)&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">(1,243</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">)&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">(1,241</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">)&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">(34</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">)&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">(3</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">)&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">(19</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">)&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">(2</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">)&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">(1,244</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">)&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">(1,245</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">)&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">1</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">&#151;&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:arial; font-size:7pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:7pt; font-family:Trebuchet MS">Goodwill</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">7,044</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">7,044</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">7,040</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">7,018</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">6,946</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">&#151;&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">&#151;&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">98</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">1</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">7,036</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">6,912</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">124</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">2</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:arial; font-size:7pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:7pt; font-family:Trebuchet MS">Other noninterest-earning assets</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">9,951</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">9,817</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">9,373</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">9,127</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">8,257</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">134</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">1</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">1,694</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">21</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">9,570</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">7,587</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">1,983</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">26</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:arial; font-size:7pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:7.00em; text-indent:-1.00em; font-size:7pt; font-family:Trebuchet MS"><B>TOTAL ASSETS</B></P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">164,646</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">162,110</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">161,489</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">160,415</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">157,732</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">2,536</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">2</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">%&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">6,914</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">4</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">%&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">162,176</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">154,553</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">7,623</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">5</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">%&nbsp;</FONT></TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
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<TD>&nbsp;</TD>
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<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
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<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
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<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:arial; font-size:7pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:7pt; font-family:Trebuchet MS"><B><U>LIABILITIES AND STOCKHOLDERS&#146; EQUITY</U></B></P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
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<TR STYLE="page-break-inside:avoid ; font-family:arial; font-size:7pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:7pt; font-family:Trebuchet MS"><B><U>LIABILITIES</U></B></P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
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<TD VALIGN="bottom"></TD>
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<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
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<TD VALIGN="bottom"></TD>
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<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
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<TD VALIGN="bottom"></TD>
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<TD VALIGN="bottom"></TD>
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<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
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<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:arial; font-size:7pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:7pt; font-family:Trebuchet MS">Checking with interest</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">23,545</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">23,422</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">23,919</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">22,987</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">21,792</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">123</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">1</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">%&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">1,753</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">8</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">%&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">23,470</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">21,856</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">1,614</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">7</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">%&nbsp;</FONT></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:arial; font-size:7pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:7pt; font-family:Trebuchet MS">Money market accounts</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">38,809</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">37,161</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">35,228</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">35,209</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">35,929</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">1,648</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">4</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">2,880</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">8</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">36,613</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">36,497</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">116</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">&#151;&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:arial; font-size:7pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:7pt; font-family:Trebuchet MS">Regular savings</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">13,582</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">13,442</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">13,324</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">12,626</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">11,220</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">140</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">1</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">2,362</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">21</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">13,247</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">10,238</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">3,009</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">29</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:arial; font-size:7pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:7pt; font-family:Trebuchet MS">Term deposits</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">19,788</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">20,951</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">22,292</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">21,127</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">19,000</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">(1,163</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">)&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">(6</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">)&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">788</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">4</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">21,035</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">18,035</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">3,000</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">17</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:arial; font-size:7pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:5.00em; text-indent:-1.00em; font-size:7pt; font-family:Trebuchet MS">Total interest-bearing deposits</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">95,724</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">94,976</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">94,763</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">91,949</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">87,941</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">748</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">1</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">7,783</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">9</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">94,365</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">86,626</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">7,739</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">9</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:arial; font-size:7pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:7pt; font-family:Trebuchet MS">Federal funds purchased and securities sold under agreements to repurchase<SUP
STYLE="font-size:85%; vertical-align:top">1 </SUP></P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">456</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">487</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">818</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">640</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">821</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">(31</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">)&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">(6</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">)&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">(365</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">)&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">(44</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">)&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">599</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">654</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">(55</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">)&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">(8</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">)&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:arial; font-size:7pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:7pt; font-family:Trebuchet MS">Other short-term borrowed funds<SUP STYLE="font-size:85%; vertical-align:top">2 </SUP></P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">48</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">113</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">45</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">58</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">341</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">(65</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">)&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">(58</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">)&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">(293</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">)&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">(86</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">)&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">66</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">467</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">(401</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">)&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">(86</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">)&nbsp;</FONT></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:arial; font-size:7pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:7pt; font-family:Trebuchet MS">Long-term borrowed funds<SUP STYLE="font-size:85%; vertical-align:top">2 </SUP></P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">12,830</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">12,134</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">12,386</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">14,736</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">15,573</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">696</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">6</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">(2,743</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">)&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">(18</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">)&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">13,014</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">14,796</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">(1,782</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">)&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">(12</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">)&nbsp;</FONT></TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:arial; font-size:7pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:5.00em; text-indent:-1.00em; font-size:7pt; font-family:Trebuchet MS">Total borrowed funds</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">13,334</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">12,734</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">13,249</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">15,434</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">16,735</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">600</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">5</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">(3,401</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">)&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">(20</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">)&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">13,679</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">15,917</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">(2,238</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">)&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">(14</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">)&nbsp;</FONT></TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:arial; font-size:7pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:5.00em; text-indent:-1.00em; font-size:7pt; font-family:Trebuchet MS">Total interest-bearing liabilities</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">109,058</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">107,710</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">108,012</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">107,383</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">104,676</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">1,348</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">1</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">4,382</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">4</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">108,044</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">102,543</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">5,501</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">5</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:arial; font-size:7pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:7pt; font-family:Trebuchet MS">Total demand deposits</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">29,928</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">28,945</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">28,389</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">28,465</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">29,824</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">983</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">3</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">104</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">&#151;&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">28,936</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">29,231</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">(295</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">)&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">(1</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">)&nbsp;</FONT></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:arial; font-size:7pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:7pt; font-family:Trebuchet MS">Other liabilities</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">3,819</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">3,789</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">3,536</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">3,584</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">2,948</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">30</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">1</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">871</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">30</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">3,683</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">2,651</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">1,032</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">39</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:arial; font-size:7pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:7.00em; text-indent:-1.00em; font-size:7pt; font-family:Trebuchet MS"><B>TOTAL LIABILITIES</B></P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">142,805</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">140,444</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">139,937</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">139,432</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">137,448</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">2,361</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">2</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">5,357</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">4</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">140,663</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">134,425</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">6,238</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">5</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:arial; font-size:7pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:7.00em; text-indent:-1.00em; font-size:7pt; font-family:Trebuchet MS"><B>STOCKHOLDERS&#146; EQUITY</B></P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">21,841</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">21,666</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">21,552</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">20,983</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">20,284</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">175</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">1</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">1,557</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">8</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">21,513</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">20,128</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">1,385</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">7</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:arial; font-size:7pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:7.00em; text-indent:-1.00em; font-size:7pt; font-family:Trebuchet MS"><B>TOTAL LIABILITIES AND STOCKHOLDERS&#146; EQUITY</B></P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">164,646</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">162,110</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">161,489</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">160,415</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">157,732</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">2,536</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">2</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">%&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">6,914</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">4</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">%&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">162,176</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">154,553</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">7,623</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">5</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">%&nbsp;</FONT></TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:arial; font-size:7pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:7pt; font-family:Trebuchet MS">Memo: Total loans and leases, including loans held for sale</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">121,631</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">119,361</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">119,469</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">118,875</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">117,217</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">2,270</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">2</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">%&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">4,414</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">4</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">%&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">119,840</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">114,481</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">5,359</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">5</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">%&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:arial; font-size:7pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:7.00em; text-indent:-1.00em; font-size:7pt; font-family:Trebuchet MS">Total deposits (interest-bearing and demand)</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">125,652</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">123,921</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">123,152</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">120,414</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">117,765</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">1,731</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">1</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">%&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">7,887</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">7</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">%&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">123,301</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">115,857</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">7,444</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">6</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">%&nbsp;</FONT></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:arial; font-size:7pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:7.00em; text-indent:-1.00em; font-size:7pt; font-family:Trebuchet MS">Total average tangible common equity</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">13,660</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">13,788</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">13,670</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">13,233</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">12,907</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">($</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">128</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">)&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">(1</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">%)&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">753</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">6</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">%&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">13,589</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">13,078</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">511</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">4</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">%&nbsp;</FONT></TD></TR></TABLE> <P STYLE="font-size:9pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Trebuchet MS; font-size:7pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="3%" VALIGN="top" ALIGN="left"><SUP STYLE="font-size:85%; vertical-align:top">1</SUP></TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:7pt; font-family:Trebuchet MS; " ALIGN="left">Balances are net of certain short-term receivables associated with reverse repurchase agreements.
</P></TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Trebuchet MS; font-size:7pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="3%" VALIGN="top" ALIGN="left"><SUP STYLE="font-size:85%; vertical-align:top">2</SUP></TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:7pt; font-family:Trebuchet MS; " ALIGN="left">Beginning in the first quarter of 2019, borrowed funds balances and the associated interest expense are based on
original maturity. Prior periods have been adjusted to conform with the current period presentation. </P></TD></TR></TABLE>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Trebuchet MS" ALIGN="center">8 </P>


<p Style='page-break-before:always'>
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">


 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Trebuchet MS"><B><A NAME="ex99_3866808_6"></A>AVERAGE ANNUALIZED YIELDS AND RATES </B></P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Trebuchet MS"><B>(in millions, except rates) </B></P> <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P>
 <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
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<TR STYLE="page-break-inside:avoid ; font-family:arial; font-size:7pt">
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="38" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><FONT STYLE="font-family:Trebuchet MS; "><B>QUARTERLY TRENDS</B></FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="14" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><FONT STYLE="font-family:Trebuchet MS; "><B>FULL YEAR</B></FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:arial; font-size:7pt">
<TD VALIGN="bottom" NOWRAP><FONT STYLE="font-family:Trebuchet MS; "><B>&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;
&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;</B></FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="6" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><FONT STYLE="font-family:Trebuchet MS; "><B>4Q19</B></FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="6" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><FONT STYLE="font-family:Trebuchet MS; "><B>3Q19</B></FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="6" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><FONT STYLE="font-family:Trebuchet MS; "><B>2Q19</B></FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="6" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><FONT STYLE="font-family:Trebuchet MS; "><B>1Q19</B></FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="6" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><FONT STYLE="font-family:Trebuchet MS; "><B>4Q18</B></FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="6" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><FONT STYLE="font-family:Trebuchet MS; "><B>2019</B></FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="6" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><FONT STYLE="font-family:Trebuchet MS; "><B>2018</B></FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:arial; font-size:7pt">
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><FONT STYLE="font-family:Trebuchet MS; "><B>Rate</B></FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><FONT STYLE="font-family:Trebuchet MS; "><B>Income/Expense</B></FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><FONT STYLE="font-family:Trebuchet MS; "><B>Rate</B></FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><FONT STYLE="font-family:Trebuchet MS; "><B>Income/Expense</B></FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><FONT STYLE="font-family:Trebuchet MS; "><B>Rate</B></FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><FONT STYLE="font-family:Trebuchet MS; "><B>Income/Expense</B></FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><FONT STYLE="font-family:Trebuchet MS; "><B>Rate</B></FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><FONT STYLE="font-family:Trebuchet MS; "><B>Income/Expense</B></FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><FONT STYLE="font-family:Trebuchet MS; "><B>Rate</B></FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><FONT STYLE="font-family:Trebuchet MS; "><B>Income/Expense</B></FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><FONT STYLE="font-family:Trebuchet MS; "><B>Rate</B></FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><FONT STYLE="font-family:Trebuchet MS; "><B>Income/Expense</B></FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><FONT STYLE="font-family:Trebuchet MS; "><B>Rate</B></FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><FONT STYLE="font-family:Trebuchet MS; "><B>Income/Expense</B></FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>


<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:arial; font-size:7pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:7pt; font-family:Trebuchet MS"><B><U>INTEREST-EARNING ASSETS</U></B></P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
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<TD VALIGN="bottom">&nbsp;</TD>
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<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
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<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
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<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:arial; font-size:7pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:7pt; font-family:Trebuchet MS">Interest-bearing cash and due from banks and deposits in banks</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">1.49</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">%&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">7</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">2.09</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">%&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">8</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">2.16</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">%&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">7</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">2.19</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">%&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">8</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">2.05</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">%&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">8</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">1.94</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">%&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">30</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">1.82</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">%&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">29</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:arial; font-size:7pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:7pt; font-family:Trebuchet MS">Taxable investment securities</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">2.47</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">159</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">2.38</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">153</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">2.56</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">164</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">2.64</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">166</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">2.73</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">172</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">2.51</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">642</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">2.66</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">672</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:arial; font-size:7pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:7pt; font-family:Trebuchet MS"><FONT STYLE="white-space:nowrap">Non-taxable</FONT> investment securities</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">2.60</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">&#151;&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">2.60</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">&#151;&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">2.60</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">&#151;&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">2.60</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">&#151;&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">2.60</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">&#151;&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">2.60</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">&#151;&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">2.60</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">&#151;&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:arial; font-size:7pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:5.00em; text-indent:-1.00em; font-size:7pt; font-family:Trebuchet MS">Total investment securities</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">2.47</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">159</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">2.38</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">153</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">2.56</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">164</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">2.64</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">166</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">2.73</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">172</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">2.51</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">642</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">2.66</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">672</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:arial; font-size:7pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:5.00em; text-indent:-1.00em; font-size:7pt; font-family:Trebuchet MS">Investment securities and interest-bearing deposits</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">166</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">161</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">171</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">174</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">180</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">672</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">701</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:arial; font-size:7pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:7pt; font-family:Trebuchet MS">Commercial</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">3.95</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">424</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">4.17</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">442</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">4.45</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">471</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">4.43</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">460</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">4.25</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">440</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">4.25</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">1,797</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">4.06</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">1,621</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:arial; font-size:7pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:7pt; font-family:Trebuchet MS">Commercial real estate</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">4.26</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">142</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">4.70</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">155</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">4.91</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">166</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">4.98</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">165</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">4.77</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">157</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">4.71</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">628</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">4.47</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">557</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:arial; font-size:7pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:7pt; font-family:Trebuchet MS">Leases</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">2.77</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">18</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">2.85</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">19</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">2.89</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">19</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">2.85</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">21</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">2.81</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">20</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">2.84</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">77</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">2.71</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">82</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:arial; font-size:7pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:5.00em; text-indent:-1.00em; font-size:7pt; font-family:Trebuchet MS">Total commercial loans and leases</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">3.97</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">584</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">4.23</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">616</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">4.48</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">656</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">4.48</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">646</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">4.30</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">617</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">4.29</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">2,502</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">4.08</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">2,260</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:arial; font-size:7pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:7pt; font-family:Trebuchet MS">Residential mortgages</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">3.40</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">165</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">3.53</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">171</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">3.65</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">176</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">3.67</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">175</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">3.67</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">171</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">3.56</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">687</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">3.60</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">644</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:arial; font-size:7pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:7pt; font-family:Trebuchet MS">Home equity loans</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">6.11</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">13</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">6.21</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">14</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">6.01</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">14</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">6.05</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">16</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">6.09</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">17</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">6.09</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">57</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">5.91</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">72</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:arial; font-size:7pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:7pt; font-family:Trebuchet MS">Home equity lines of credit</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">4.55</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">138</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">5.08</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">156</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">5.15</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">158</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">5.13</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">159</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">4.91</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">158</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">4.98</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">611</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">4.54</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">592</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:arial; font-size:7pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:7pt; font-family:Trebuchet MS">Home equity loans serviced by others</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">8.07</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">6</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">8.48</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">7</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">7.67</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">7</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">7.75</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">7</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">7.48</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">8</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">7.98</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">27</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">7.36</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">34</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:arial; font-size:7pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:7pt; font-family:Trebuchet MS">Home equity lines of credit serviced by others</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">5.39</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">2</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">4.56</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">1</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">5.27</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">1</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">4.97</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">1</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">4.56</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">1</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">5.04</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">5</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">4.23</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">5</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:arial; font-size:7pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:7pt; font-family:Trebuchet MS">Automobile</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">4.32</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">132</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">4.25</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">129</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">4.19</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">125</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">4.04</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">120</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">3.90</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">119</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">4.20</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">506</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">3.68</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">461</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:arial; font-size:7pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:7pt; font-family:Trebuchet MS">Education</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">5.76</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">143</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">5.89</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">141</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">5.97</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">137</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">5.99</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">134</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">5.87</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">130</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">5.89</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">555</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">5.74</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">487</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:arial; font-size:7pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:7pt; font-family:Trebuchet MS">Credit cards</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">9.53</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">53</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">9.93</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">53</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">10.26</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">52</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">10.76</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">53</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">10.51</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">52</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">10.10</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">211</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">10.68</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">202</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:arial; font-size:7pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:7pt; font-family:Trebuchet MS">Other retail</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">6.97</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">76</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">7.25</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">68</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">7.11</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">66</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">7.83</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">70</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">8.17</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">74</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">7.27</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">280</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">8.09</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">253</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:arial; font-size:7pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:5.00em; text-indent:-1.00em; font-size:7pt; font-family:Trebuchet MS">Total retail loans</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">4.72</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">728</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">4.88</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">740</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">4.92</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">736</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">4.96</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">735</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">4.87</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">730</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">4.87</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">2,939</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">4.68</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">2,750</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:arial; font-size:7pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:5.00em; text-indent:-1.00em; font-size:7pt; font-family:Trebuchet MS">Total loans and leases</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">4.36</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">1,312</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">4.56</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">1,356</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">4.71</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">1,392</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">4.72</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">1,381</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">4.59</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">1,347</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">4.59</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">5,441</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">4.39</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">5,010</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:arial; font-size:7pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:7pt; font-family:Trebuchet MS">Loans held for sale, at fair value</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">3.38</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">18</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">3.71</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">19</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">3.93</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">15</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">4.35</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">11</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">4.59</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">14</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">3.74</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">63</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">4.38</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">37</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:arial; font-size:7pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:7pt; font-family:Trebuchet MS">Other loans held for sale</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">3.89</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">5</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">6.42</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">2</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">5.67</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">2</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">7.03</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">4</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">5.13</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">1</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">5.10</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">13</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">6.18</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">10</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:arial; font-size:7pt">
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:5.00em; text-indent:-1.00em; font-size:7pt; font-family:Trebuchet MS"><B>Total interest-earning assets</B></P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">3.98</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">1,501</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">4.15</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">1,538</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">4.30</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">1,580</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">4.34</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">1,570</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">4.24</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">1,542</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">4.19</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">6,189</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">4.05</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">5,758</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:arial; font-size:7pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:7pt; font-family:Trebuchet MS"><B><U>INTEREST-BEARING LIABILITIES</U></B></P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:arial; font-size:7pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:7pt; font-family:Trebuchet MS">Checking with interest</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">0.71</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">42</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">0.88</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">52</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">0.96</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">57</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">0.91</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">52</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">0.75</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">42</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">0.87</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">203</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">0.63</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">138</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:arial; font-size:7pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:7pt; font-family:Trebuchet MS">Money market accounts</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">1.12</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">110</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">1.24</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">116</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">1.30</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">114</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">1.26</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">110</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">1.14</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">104</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">1.23</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">450</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">0.94</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">343</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:arial; font-size:7pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:7pt; font-family:Trebuchet MS">Regular savings</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">0.52</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">17</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">0.59</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">20</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">0.62</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">21</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">0.56</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">17</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">0.35</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">10</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">0.57</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">75</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">0.15</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">15</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:arial; font-size:7pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:7pt; font-family:Trebuchet MS">Term deposits</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">1.88</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">94</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">2.05</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">109</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">2.09</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">116</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">2.08</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">108</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">1.88</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">89</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">2.03</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">427</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">1.61</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">289</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:arial; font-size:7pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:5.00em; text-indent:-1.00em; font-size:7pt; font-family:Trebuchet MS">Total interest-bearing deposits</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">1.09</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">263</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">1.24</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">297</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">1.30</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">308</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">1.27</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">287</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">1.10</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">245</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">1.22</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">1,155</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">0.91</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">785</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:arial; font-size:7pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:7pt; font-family:Trebuchet MS">Federal funds purchased and securities sold under agreements to repurchase<SUP
STYLE="font-size:85%; vertical-align:top">1 </SUP></P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">0.96</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">1</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">1.19</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">2</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">1.76</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">3</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">1.24</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">2</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">1.27</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">2</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">1.36</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">8</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">0.94</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">6</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:arial; font-size:7pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:7pt; font-family:Trebuchet MS">Other short-term borrowed funds<SUP STYLE="font-size:85%; vertical-align:top">2 </SUP></P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">2.16</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">1</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">2.46</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">&#151;&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">2.66</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">1</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">2.75</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">&#151;&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">2.58</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">2</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">2.50</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">2</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">2.10</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">9</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:arial; font-size:7pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:7pt; font-family:Trebuchet MS">Long-term borrowed funds<SUP STYLE="font-size:85%; vertical-align:top">2 </SUP></P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">2.91</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">93</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">3.07</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">94</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">3.30</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">102</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">3.27</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">121</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">3.07</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">121</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">3.14</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">410</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">2.86</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">426</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:arial; font-size:7pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:5.00em; text-indent:-1.00em; font-size:7pt; font-family:Trebuchet MS">Total borrowed funds</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">2.84</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">95</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">3.00</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">96</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">3.20</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">106</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">3.18</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">123</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">2.98</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">125</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">3.06</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">420</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">2.76</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">441</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:arial; font-size:7pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:5.00em; text-indent:-1.00em; font-size:7pt; font-family:Trebuchet MS"><B>Total interest-bearing liabilities</B></P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">1.30</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">358</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">1.45</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">393</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">1.54</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">414</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">1.54</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">410</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">1.40</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">370</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">1.46</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">1,575</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">1.19</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">1,226</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:arial; font-size:7pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:7pt; font-family:Trebuchet MS"><B>INTEREST RATE SPREAD</B></P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">2.68</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">2.70</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">2.77</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">2.80</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">2.84</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">2.73</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">2.86</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:arial; font-size:7pt">
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:7pt; font-family:Trebuchet MS"><B>NET INTEREST MARGIN AND NET INTEREST INCOME<SUP STYLE="font-size:85%; vertical-align:top">3
</SUP></B></P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; "><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; "><B>3.04</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; "><B>%&nbsp;</B></FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">1,143</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; "><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; "><B>3.10</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; "><B>%&nbsp;</B></FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">1,145</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; "><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; "><B>3.20</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; "><B>%&nbsp;</B></FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">1,166</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; "><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; "><B>3.23</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; "><B>%&nbsp;</B></FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">1,160</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; "><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; "><B>3.23</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; "><B>%&nbsp;</B></FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">1,172</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; "><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; "><B>3.14</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; "><B>%&nbsp;</B></FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">4,614</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; "><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; "><B>3.21</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; "><B>%&nbsp;</B></FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">4,532</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:arial; font-size:7pt">
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:7pt; font-family:Trebuchet MS"><B>NET INTEREST MARGIN AND NET INTEREST INCOME, FTE<SUP STYLE="font-size:85%; vertical-align:top">4
</SUP></B></P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; "><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; "><B>3.06</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; "><B>%&nbsp;</B></FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">1,147</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; "><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; "><B>3.12</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; "><B>%&nbsp;</B></FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">1,150</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; "><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; "><B>3.21</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; "><B>%&nbsp;</B></FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">1,172</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; "><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; "><B>3.25</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; "><B>%&nbsp;</B></FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">1,166</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; "><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; "><B>3.25</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; "><B>%&nbsp;</B></FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">1,177</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; "><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; "><B>3.16</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; "><B>%&nbsp;</B></FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">4,635</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; "><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; "><B>3.22</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; "><B>%&nbsp;</B></FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">4,554</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:arial; font-size:7pt">
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:7pt; font-family:Trebuchet MS">Memo: Total deposit costs</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">0.83</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">%&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">263</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">0.95</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">%&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">297</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">1.00</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">%&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">308</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">0.97</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">%&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">287</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">0.82</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">%&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">245</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">0.94</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">%&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">1,155</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">0.68</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">%&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">785</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD></TR></TABLE> <P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Trebuchet MS; font-size:8pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="4%" VALIGN="top" ALIGN="left"><SUP STYLE="font-size:85%; vertical-align:top">1</SUP></TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:8pt; font-family:Trebuchet MS; " ALIGN="left">Balances are net of certain short-term receivables associated with reverse repurchase agreements; interest expense
includes the full cost of the repurchase agreements and certain hedging costs. </P></TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Trebuchet MS; font-size:8pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="4%" VALIGN="top" ALIGN="left"><B><SUP STYLE="font-size:85%; vertical-align:top">2</SUP></B></TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:8pt; font-family:Trebuchet MS; " ALIGN="left"><B></B>Beginning in the first quarter of 2019, borrowed funds balances and the associated interest expense are
based on original maturity. Prior periods have been adjusted to conform with the current period presentation. </P></TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Trebuchet MS; font-size:8pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="4%" VALIGN="top" ALIGN="left"><SUP STYLE="font-size:85%; vertical-align:top">3</SUP></TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:8pt; font-family:Trebuchet MS; " ALIGN="left">Beginning in the first quarter of 2019, we changed the method of calculating our net interest margin to equal net
interest income, annualized based on the number of days in the period, divided by average total interest-earning assets. Prior periods have been adjusted to conform with the current period presentation. </P></TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Trebuchet MS; font-size:8pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="4%" VALIGN="top" ALIGN="left"><SUP STYLE="font-size:85%; vertical-align:top">4</SUP></TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:8pt; font-family:Trebuchet MS; " ALIGN="left">Net interest income and net interest margin is presented on a fully taxable-equivalent (&#147;FTE&#148;) basis
using the federal statutory tax rate of 21%. The FTE impact is predominantly attributable to commercial loans for the periods presented. </P></TD></TR></TABLE> <P STYLE="font-size:0pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<P STYLE="font-size:0pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P> <P STYLE="font-size:0pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P> <P STYLE="font-size:0pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<P STYLE="font-size:0pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P> <P STYLE="font-size:0pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P> <P STYLE="font-size:0pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<P STYLE="font-size:0pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P> <P STYLE="font-size:0pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P> <P STYLE="font-size:0pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<P STYLE="font-size:0pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P> <P STYLE="font-size:0pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P> <P STYLE="font-size:0pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<P STYLE="font-size:0pt; margin-top:0pt; margin-bottom:0pt">&nbsp;</P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Trebuchet MS" ALIGN="center">9 </P>


<p Style='page-break-before:always'>
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">

 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Trebuchet MS"><B><A NAME="ex99_3866808_7"></A>SEGMENT FINANCIAL HIGHLIGHTS - CONSOLIDATING </B></P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Trebuchet MS"><B>(in millions, except ratio data) </B></P> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:8pt" ALIGN="center">


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<TR STYLE="page-break-inside:avoid ; font-family:arial; font-size:8pt">
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="14" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><FONT STYLE="font-family:Trebuchet MS; "><B>FOURTH QUARTER 2019</B></FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="14" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><FONT STYLE="font-family:Trebuchet MS; "><B>THIRD QUARTER 2019</B></FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="6" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><FONT STYLE="font-family:Trebuchet MS; "><B>CHANGE</B></FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:arial; font-size:8pt">
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD COLSPAN="2" VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD COLSPAN="2" VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD COLSPAN="2" VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD COLSPAN="2" VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD COLSPAN="2" VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD COLSPAN="2" VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD COLSPAN="2" VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD COLSPAN="2" VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="6" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><FONT STYLE="font-family:Trebuchet MS; "><B>4Q19&nbsp;from&nbsp;3Q19</B></FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:arial; font-size:8pt">
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><FONT STYLE="font-family:Trebuchet MS; "><B>Consumer<BR>Banking</B></FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><FONT STYLE="font-family:Trebuchet MS; "><B>Commercial<BR>Banking</B></FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><FONT STYLE="font-family:Trebuchet MS; "><B>Other<SUP STYLE="font-size:85%; vertical-align:top">1 </SUP></B></FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><FONT STYLE="font-family:Trebuchet MS; "><B>Consolidated</B></FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><FONT STYLE="font-family:Trebuchet MS; "><B>Consumer<BR>Banking</B></FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><FONT STYLE="font-family:Trebuchet MS; "><B>Commercial<BR>Banking</B></FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><FONT STYLE="font-family:Trebuchet MS; "><B>Other<SUP STYLE="font-size:85%; vertical-align:top">1 </SUP></B></FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><FONT STYLE="font-family:Trebuchet MS; "><B>Consolidated</B></FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><FONT STYLE="font-family:Trebuchet MS; "><B>$/bps</B></FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><FONT STYLE="font-family:Trebuchet MS; "><B>%</B></FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>


<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:arial; font-size:8pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:8pt; font-family:Trebuchet MS">Net interest income</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">796</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">363</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">($</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">16</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">)&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">1,143</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">799</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">360</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">($</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">14</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">)&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">1,145</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">($</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">2</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">)&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">&#151;&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">%&nbsp;</FONT></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:arial; font-size:8pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:8pt; font-family:Trebuchet MS">Noninterest income</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">296</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">175</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">23</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">494</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">336</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">133</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">24</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">493</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">1</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">&#151;&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:arial; font-size:8pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:8pt; font-family:Trebuchet MS">Total revenue</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">1,092</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">538</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">7</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">1,637</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">1,135</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">493</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">10</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">1,638</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">(1</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">)&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">&#151;&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:arial; font-size:8pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:8pt; font-family:Trebuchet MS">Noninterest expense</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">718</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">219</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">49</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">986</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">718</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">213</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">42</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">973</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">13</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">1</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:arial; font-size:8pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:8pt; font-family:Trebuchet MS">Profit (loss) before provision for credit losses</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">374</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">319</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">(42</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">)&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">651</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">417</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">280</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">(32</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">)&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">665</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">(14</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">)&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">(2</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">)&nbsp;</FONT></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:arial; font-size:8pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:8pt; font-family:Trebuchet MS">Provision for credit losses</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">97</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">24</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">(11</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">)&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">110</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">83</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">27</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">(9</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">)&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">101</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">9</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">9</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:arial; font-size:8pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:8pt; font-family:Trebuchet MS">Income (loss) before income tax expense (benefit)</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">277</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">295</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">(31</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">)&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">541</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">334</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">253</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">(23</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">)&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">564</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">(23</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">)&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">(4</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">)&nbsp;</FONT></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:arial; font-size:8pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:8pt; font-family:Trebuchet MS">Income tax expense (benefit)</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">68</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">64</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">(41</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">)&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">91</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">83</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">57</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">(25</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">)&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">115</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">(24</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">)&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">(21</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">)&nbsp;</FONT></TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:arial; font-size:8pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:8pt; font-family:Trebuchet MS">Net income</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">209</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">231</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">10</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">450</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">251</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">196</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">2</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">449</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">1</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">&#151;&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">%&nbsp;</FONT></TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:arial; font-size:8pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:8pt; font-family:Trebuchet MS"><B><U>AVERAGE BALANCES</U></B></P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:arial; font-size:8pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:8pt; font-family:Trebuchet MS">Total assets</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">68,069</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">56,407</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">40,170</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">164,646</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">66,365</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">55,614</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">40,131</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">162,110</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">2,536</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">2</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">%&nbsp;</FONT></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:arial; font-size:8pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:8pt; font-family:Trebuchet MS">Total loans and leases<SUP STYLE="font-size:85%; vertical-align:top">2 </SUP></P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">65,157</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">54,523</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">1,951</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">121,631</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">63,553</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">53,814</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">1,994</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">119,361</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">2,270</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">2</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:arial; font-size:8pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:8pt; font-family:Trebuchet MS">Deposits</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">85,477</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">32,715</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">7,460</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">125,652</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">85,595</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">31,491</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">6,835</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">123,921</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">1,731</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">1</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:arial; font-size:8pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:8pt; font-family:Trebuchet MS">Interest-earning assets</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">65,208</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">54,905</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">28,798</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">148,911</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">63,605</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">54,087</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">28,783</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">146,475</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">2,436</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">2</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:arial; font-size:8pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:8pt; font-family:Trebuchet MS"><B><U>KEY METRICS</U></B></P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:arial; font-size:8pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:8pt; font-family:Trebuchet MS">Net interest margin</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">4.85</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">%&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">2.62</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">%&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">NM</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">3.04</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">%&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">4.99</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">%&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">2.64</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">%&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">NM</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">3.10</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">%&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">(6</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">)&nbsp;bps&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:arial; font-size:8pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:8pt; font-family:Trebuchet MS">Efficiency ratio</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">65.74</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">40.60</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">NM</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">60.28</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">63.28</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">43.35</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">NM</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">59.40</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">88</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;&nbsp;bps&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:arial; font-size:8pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:8pt; font-family:Trebuchet MS"><FONT STYLE="white-space:nowrap"><FONT STYLE="white-space:nowrap">Loans-to-deposits</FONT></FONT>
ratio <FONT STYLE="white-space:nowrap">(period-end</FONT> balances)</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">74.15</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">165.24</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">NM</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">95.03</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">73.61</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">163.62</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">NM</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">94.52</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">51</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;&nbsp;bps&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:arial; font-size:8pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:8pt; font-family:Trebuchet MS"><FONT STYLE="white-space:nowrap"><FONT STYLE="white-space:nowrap">Loans-to-deposits</FONT></FONT>
ratio (average balances)</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">73.37</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">165.80</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">NM</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">94.63</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">72.11</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">170.01</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">NM</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">94.62</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">1</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;&nbsp;bps&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:arial; font-size:8pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:8pt; font-family:Trebuchet MS">Return on average total tangible assets</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">1.22</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">1.63</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">NM</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">1.13</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">1.50</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">1.40</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">NM</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">1.15</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">(2</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">)&nbsp;bps&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR></TABLE> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Trebuchet MS; font-size:8pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="4%" VALIGN="top" ALIGN="left"><SUP STYLE="font-size:85%; vertical-align:top">1</SUP></TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:8pt; font-family:Trebuchet MS; " ALIGN="left">Includes the financial impact of <FONT STYLE="white-space:nowrap">non-core,</FONT> liquidating loan portfolios and
other <FONT STYLE="white-space:nowrap">non-core</FONT> assets, our treasury activities, wholesale funding activities, securities portfolio, community development assets and other unallocated assets, liabilities, capital, revenues, provision for
credit losses, expenses and income tax expense, not attributed to our Consumer Banking or Commercial Banking segments. </P></TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Trebuchet MS; font-size:8pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="4%" VALIGN="top" ALIGN="left"><SUP STYLE="font-size:85%; vertical-align:top">2</SUP></TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:8pt; font-family:Trebuchet MS; " ALIGN="left">Includes loans held for sale. </P></TD></TR></TABLE>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Trebuchet MS" ALIGN="center">10 </P>


<p Style='page-break-before:always'>
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">


 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Trebuchet MS"><B>SEGMENT FINANCIAL HIGHLIGHTS - CONSOLIDATING, CONTINUED </B></P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Trebuchet MS"><B>(in millions, except ratio data) </B></P> <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:8pt" ALIGN="center">


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<TD></TD>
<TD></TD>
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<TD></TD>
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<TD></TD>
<TD></TD>
<TD></TD>

<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
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<TD VALIGN="bottom" WIDTH="2%"></TD>
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<TD VALIGN="bottom" WIDTH="2%"></TD>
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<TD></TD>
<TD></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:arial; font-size:8pt">
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="14" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><FONT STYLE="font-family:Trebuchet MS; "><B>FOURTH QUARTER 2019</B></FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="14" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><FONT STYLE="font-family:Trebuchet MS; "><B>FOURTH QUARTER 2018</B></FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="6" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><FONT STYLE="font-family:Trebuchet MS; "><B>CHANGE</B></FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:arial; font-size:8pt">
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD COLSPAN="2" VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD COLSPAN="2" VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD COLSPAN="2" VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD COLSPAN="2" VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD COLSPAN="2" VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD COLSPAN="2" VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD COLSPAN="2" VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD COLSPAN="2" VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="6" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><FONT STYLE="font-family:Trebuchet MS; "><B>4Q19&nbsp;from&nbsp;4Q18</B></FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:arial; font-size:8pt">
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><FONT STYLE="font-family:Trebuchet MS; "><B>Consumer<BR>Banking</B></FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><FONT STYLE="font-family:Trebuchet MS; "><B>Commercial<BR>Banking</B></FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><FONT STYLE="font-family:Trebuchet MS; "><B>Other<SUP STYLE="font-size:85%; vertical-align:top">1 </SUP></B></FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><FONT STYLE="font-family:Trebuchet MS; "><B>Consolidated</B></FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><FONT STYLE="font-family:Trebuchet MS; "><B>Consumer<BR>Banking</B></FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><FONT STYLE="font-family:Trebuchet MS; "><B>Commercial<BR>Banking</B></FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><FONT STYLE="font-family:Trebuchet MS; "><B>Other<SUP STYLE="font-size:85%; vertical-align:top">1 </SUP></B></FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><FONT STYLE="font-family:Trebuchet MS; "><B>Consolidated</B></FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><FONT STYLE="font-family:Trebuchet MS; "><B>$/bps</B></FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><FONT STYLE="font-family:Trebuchet MS; "><B>%</B></FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>


<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:arial; font-size:8pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:8pt; font-family:Trebuchet MS">Net interest income</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">796</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">363</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">($</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">16</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">)&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">1,143</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">796</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">384</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">($</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">8</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">)&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">1,172</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">($</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">29</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">)&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">(2</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">%)&nbsp;</FONT></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:arial; font-size:8pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:8pt; font-family:Trebuchet MS">Noninterest income</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">296</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">175</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">23</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">494</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">265</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">140</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">16</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">421</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">73</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">17</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:arial; font-size:8pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:8pt; font-family:Trebuchet MS">Total revenue</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">1,092</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">538</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">7</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">1,637</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">1,061</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">524</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">8</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">1,593</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">44</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">3</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:arial; font-size:8pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:8pt; font-family:Trebuchet MS">Noninterest expense</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">718</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">219</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">49</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">986</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">723</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">203</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">25</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">951</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">35</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">4</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:arial; font-size:8pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:8pt; font-family:Trebuchet MS">Profit (loss) before provision for credit losses</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">374</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">319</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">(42</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">)&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">651</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">338</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">321</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">(17</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">)&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">642</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">9</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">1</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:arial; font-size:8pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:8pt; font-family:Trebuchet MS">Provision for credit losses</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">97</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">24</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">(11</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">)&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">110</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">80</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">7</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">(2</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">)&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">85</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">25</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">29</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:arial; font-size:8pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:8pt; font-family:Trebuchet MS">Income (loss) before income tax expense (benefit)</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">277</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">295</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">(31</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">)&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">541</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">258</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">314</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">(15</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">)&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">557</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">(16</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">)&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">(3</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">)&nbsp;</FONT></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:arial; font-size:8pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:8pt; font-family:Trebuchet MS">Income tax expense (benefit)</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">68</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">64</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">(41</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">)&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">91</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">65</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">73</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">(46</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">)&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">92</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">(1</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">)&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">(1</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">)&nbsp;</FONT></TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:arial; font-size:8pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:8pt; font-family:Trebuchet MS">Net income</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">209</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">231</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">10</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">450</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">193</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">241</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">31</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">465</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">($</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">15</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">)&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">(3</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">%)&nbsp;</FONT></TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:arial; font-size:8pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:8pt; font-family:Trebuchet MS"><B><U>AVERAGE BALANCES</U></B></P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:arial; font-size:8pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:8pt; font-family:Trebuchet MS">Total assets</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">68,069</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">56,407</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">40,170</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">164,646</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">64,187</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">53,970</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">39,575</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">157,732</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">6,914</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">4</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">%&nbsp;</FONT></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:arial; font-size:8pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:8pt; font-family:Trebuchet MS">Total loans and leases<SUP STYLE="font-size:85%; vertical-align:top">2 </SUP></P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">65,157</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">54,523</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">1,951</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">121,631</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">61,920</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">52,963</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">2,334</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">117,217</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">4,414</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">4</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:arial; font-size:8pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:8pt; font-family:Trebuchet MS">Deposits</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">85,477</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">32,715</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">7,460</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">125,652</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">79,174</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">30,608</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">7,983</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">117,765</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">7,887</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">7</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:arial; font-size:8pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:8pt; font-family:Trebuchet MS">Interest-earning assets</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">65,208</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">54,905</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">28,798</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">148,911</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">61,975</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">53,221</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">28,574</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">143,770</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">5,141</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">4</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:arial; font-size:8pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:8pt; font-family:Trebuchet MS"><B><U>KEY METRICS</U></B></P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:arial; font-size:8pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:8pt; font-family:Trebuchet MS">Net interest margin<SUP STYLE="font-size:85%; vertical-align:top">3 </SUP></P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">4.85</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">%&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">2.62</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">%&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">NM</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">3.04</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">%&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">5.09</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">%&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">2.86</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">%&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">NM</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">3.23</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">%&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">(19</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">)&nbsp;bps&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:arial; font-size:8pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:8pt; font-family:Trebuchet MS">Efficiency ratio</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">65.74</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">40.60</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">NM</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">60.28</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">68.22</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">38.73</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">NM</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">59.69</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">59</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;&nbsp;bps&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:arial; font-size:8pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:8pt; font-family:Trebuchet MS"><FONT STYLE="white-space:nowrap"><FONT STYLE="white-space:nowrap">Loans-to-deposits</FONT></FONT>
ratio <FONT STYLE="white-space:nowrap">(period-end</FONT> balances)</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">74.15</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">165.24</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">NM</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">95.03</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">76.02</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">172.27</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">NM</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">97.56</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">(253</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">)&nbsp;bps&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:arial; font-size:8pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:8pt; font-family:Trebuchet MS"><FONT STYLE="white-space:nowrap"><FONT STYLE="white-space:nowrap">Loans-to-deposits</FONT></FONT>
ratio (average balances)</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">73.37</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">165.80</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">NM</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">94.63</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">76.91</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">172.07</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">NM</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">98.41</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">(378</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">)&nbsp;bps&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:arial; font-size:8pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:8pt; font-family:Trebuchet MS">Return on average total tangible assets</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">1.22</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">1.63</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">NM</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">1.13</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">1.19</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">1.78</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">NM</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">1.22</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">(9</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">)&nbsp;bps&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR></TABLE> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Trebuchet MS; font-size:8pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="4%" VALIGN="top" ALIGN="left"><SUP STYLE="font-size:85%; vertical-align:top">1</SUP></TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:8pt; font-family:Trebuchet MS; " ALIGN="left">Includes the financial impact of <FONT STYLE="white-space:nowrap">non-core,</FONT> liquidating loan portfolios and
other <FONT STYLE="white-space:nowrap">non-core</FONT> assets, our treasury activities, wholesale funding activities, securities portfolio, community development assets and other unallocated assets, liabilities, capital, revenues, provision for
credit losses, expenses and income tax expense, not attributed to our Consumer Banking or Commercial Banking segments. </P></TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Trebuchet MS; font-size:8pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="4%" VALIGN="top" ALIGN="left"><SUP STYLE="font-size:85%; vertical-align:top">2</SUP></TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:8pt; font-family:Trebuchet MS; " ALIGN="left">Includes loans held for sale. </P></TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Trebuchet MS; font-size:8pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="4%" VALIGN="top" ALIGN="left"><SUP STYLE="font-size:85%; vertical-align:top">3</SUP></TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:8pt; font-family:Trebuchet MS; " ALIGN="left">Beginning in the first quarter of 2019, we changed the method of calculating our net interest margin to equal net
interest income, annualized based on the number of days in the period, divided by average total interest-earning assets. Prior periods have been adjusted to conform with the current period presentation. </P></TD></TR></TABLE>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Trebuchet MS" ALIGN="center">11 </P>


<p Style='page-break-before:always'>
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">

 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Trebuchet MS"><B>SEGMENT FINANCIAL HIGHLIGHTS - CONSOLIDATING, CONTINUED </B></P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Trebuchet MS"><B>(in millions, except ratio data) </B></P> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:8pt" ALIGN="center">


<TR>

<TD WIDTH="44%"></TD>

<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>

<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>

<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>

<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>

<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>

<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>

<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>

<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>

<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>

<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD></TD>
<TD></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:arial; font-size:8pt">
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="14" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><FONT STYLE="font-family:Trebuchet MS; "><B>FULL YEAR 2019</B></FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="14" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><FONT STYLE="font-family:Trebuchet MS; "><B>FULL YEAR 2018</B></FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="6" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><FONT STYLE="font-family:Trebuchet MS; "><B>CHANGE</B></FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:arial; font-size:8pt">
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD COLSPAN="2" VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD COLSPAN="2" VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD COLSPAN="2" VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD COLSPAN="2" VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD COLSPAN="2" VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD COLSPAN="2" VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD COLSPAN="2" VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD COLSPAN="2" VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="6" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><FONT STYLE="font-family:Trebuchet MS; "><B>2019&nbsp;from&nbsp;2018</B></FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:arial; font-size:8pt">
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><FONT STYLE="font-family:Trebuchet MS; "><B>Consumer<BR>Banking</B></FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><FONT STYLE="font-family:Trebuchet MS; "><B>Commercial<BR>Banking</B></FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><FONT STYLE="font-family:Trebuchet MS; "><B>Other<SUP STYLE="font-size:85%; vertical-align:top">1 </SUP></B></FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><FONT STYLE="font-family:Trebuchet MS; "><B>Consolidated</B></FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><FONT STYLE="font-family:Trebuchet MS; "><B>Consumer<BR>Banking</B></FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><FONT STYLE="font-family:Trebuchet MS; "><B>Commercial<BR>Banking</B></FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><FONT STYLE="font-family:Trebuchet MS; "><B>Other<SUP STYLE="font-size:85%; vertical-align:top">1 </SUP></B></FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><FONT STYLE="font-family:Trebuchet MS; "><B>Consolidated</B></FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><FONT STYLE="font-family:Trebuchet MS; "><B>$/bps</B></FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><FONT STYLE="font-family:Trebuchet MS; "><B>%</B></FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>


<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:arial; font-size:8pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:8pt; font-family:Trebuchet MS">Net interest income</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">3,182</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">1,466</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">($</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">34</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">)&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">4,614</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">3,064</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">1,497</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">($</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">29</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">)&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">4,532</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">82</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">2</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">%&nbsp;</FONT></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:arial; font-size:8pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:8pt; font-family:Trebuchet MS">Noninterest income</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">1,156</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">607</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">114</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">1,877</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">973</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">545</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">78</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">1,596</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">281</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">18</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:arial; font-size:8pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:8pt; font-family:Trebuchet MS">Total revenue</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">4,338</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">2,073</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">80</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">6,491</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">4,037</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">2,042</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">49</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">6,128</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">363</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">6</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:arial; font-size:8pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:8pt; font-family:Trebuchet MS">Noninterest expense</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">2,851</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">858</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">138</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">3,847</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">2,723</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">813</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">83</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">3,619</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">228</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">6</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:arial; font-size:8pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:8pt; font-family:Trebuchet MS">Profit (loss) before provision for credit losses</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">1,487</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">1,215</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">(58</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">)&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">2,644</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">1,314</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">1,229</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">(34</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">)&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">2,509</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">135</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">5</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:arial; font-size:8pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:8pt; font-family:Trebuchet MS">Provision for credit losses</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">325</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">97</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">(29</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">)&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">393</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">289</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">26</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">11</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">326</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">67</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">21</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:arial; font-size:8pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:8pt; font-family:Trebuchet MS">Income (loss) before income tax expense (benefit)</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">1,162</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">1,118</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">(29</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">)&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">2,251</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">1,025</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">1,203</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">(45</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">)&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">2,183</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">68</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">3</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:arial; font-size:8pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:8pt; font-family:Trebuchet MS">Income tax expense (benefit)</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">287</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">248</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">(75</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">)&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">460</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">258</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">276</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">(72</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">)&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">462</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">(2</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">)&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">&#151;&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:arial; font-size:8pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:8pt; font-family:Trebuchet MS">Net income</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">875</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">870</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">46</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">1,791</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">767</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">927</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">27</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">1,721</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">70</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">4</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">%&nbsp;</FONT></TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:arial; font-size:8pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:8pt; font-family:Trebuchet MS"><B><U>AVERAGE BALANCES</U></B></P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:arial; font-size:8pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:8pt; font-family:Trebuchet MS">Total assets</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">66,240</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">55,947</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">39,989</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">162,176</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">62,444</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">52,362</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">39,747</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">154,553</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">7,623</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">5</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">%&nbsp;</FONT></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:arial; font-size:8pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:8pt; font-family:Trebuchet MS">Total loans and leases<SUP STYLE="font-size:85%; vertical-align:top">2 </SUP></P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">63,396</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">54,355</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">2,089</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">119,840</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">60,691</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">51,344</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">2,446</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">114,481</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">5,359</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">5</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:arial; font-size:8pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:8pt; font-family:Trebuchet MS">Deposits</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">84,835</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">31,085</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">7,381</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">123,301</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">77,542</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">30,704</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">7,611</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">115,857</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">7,444</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">6</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:arial; font-size:8pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:8pt; font-family:Trebuchet MS">Interest-earning assets</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">63,449</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">54,666</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">28,699</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">146,814</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">60,743</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">51,572</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">28,984</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">141,299</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">5,515</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">4</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:arial; font-size:8pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:8pt; font-family:Trebuchet MS"><B><U>KEY METRICS</U></B></P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:arial; font-size:8pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:8pt; font-family:Trebuchet MS">Net interest margin<SUP STYLE="font-size:85%; vertical-align:top">3 </SUP></P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">5.02</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">%&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">2.68</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">%&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">NM</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">3.14</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">%&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">5.04</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">%&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">2.90</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">%&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">NM</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">3.21</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">%&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">(7</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">)&nbsp;bps&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:arial; font-size:8pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:8pt; font-family:Trebuchet MS">Efficiency ratio</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">65.72</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">41.38</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">NM</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">59.28</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">67.47</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">39.80</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">NM</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">59.06</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">22</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;bps&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:arial; font-size:8pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:8pt; font-family:Trebuchet MS"><FONT STYLE="white-space:nowrap"><FONT STYLE="white-space:nowrap">Loans-to-deposits</FONT></FONT>
ratio <FONT STYLE="white-space:nowrap">(period-end</FONT> balances)</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">74.15</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">165.24</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">NM</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">95.03</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">76.02</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">172.27</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">NM</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">97.56</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">(253</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">)&nbsp;bps&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:arial; font-size:8pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:8pt; font-family:Trebuchet MS"><FONT STYLE="white-space:nowrap"><FONT STYLE="white-space:nowrap">Loans-to-deposits</FONT></FONT>
ratio (average balances)</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">72.81</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">173.85</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">NM</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">95.62</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">77.42</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">166.09</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">NM</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">97.94</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">(232</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">)&nbsp;bps&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:arial; font-size:8pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:8pt; font-family:Trebuchet MS">Return on average total tangible assets</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">1.32</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">1.56</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">NM</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">1.15</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">1.23</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">1.77</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">NM</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">1.16</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">(1</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">)&nbsp;bps&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR></TABLE> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Trebuchet MS; font-size:8pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="4%" VALIGN="top" ALIGN="left"><SUP STYLE="font-size:85%; vertical-align:top">1</SUP></TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:8pt; font-family:Trebuchet MS; " ALIGN="left">Includes the financial impact of <FONT STYLE="white-space:nowrap">non-core,</FONT> liquidating loan portfolios and
other <FONT STYLE="white-space:nowrap">non-core</FONT> assets, our treasury activities, wholesale funding activities, securities portfolio, community development assets and other unallocated assets, liabilities, capital, revenues, provision for
credit losses, expenses and income tax expense, not attributed to our Consumer Banking or Commercial Banking segments. </P></TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Trebuchet MS; font-size:8pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="4%" VALIGN="top" ALIGN="left"><SUP STYLE="font-size:85%; vertical-align:top">2</SUP></TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:8pt; font-family:Trebuchet MS; " ALIGN="left">Includes loans held for sale. </P></TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Trebuchet MS; font-size:8pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="4%" VALIGN="top" ALIGN="left"><SUP STYLE="font-size:85%; vertical-align:top">3</SUP></TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:8pt; font-family:Trebuchet MS; " ALIGN="left">Beginning in the first quarter of 2019, we changed the method of calculating our net interest margin to equal net
interest income, annualized based on the number of days in the period, divided by average total interest-earning assets. Prior periods have been adjusted to conform with the current period presentation. </P></TD></TR></TABLE>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Trebuchet MS" ALIGN="center">12 </P>


<p Style='page-break-before:always'>
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">

 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Trebuchet MS"><B>SEGMENT FINANCIAL HIGHLIGHTS - CONSUMER BANKING </B></P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Trebuchet MS"><B>(in millions, except ratio data) </B></P> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:8pt" ALIGN="center">


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<TD WIDTH="40%"></TD>

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<TR STYLE="page-break-inside:avoid ; font-family:arial; font-size:8pt">
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="34" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><FONT STYLE="font-family:Trebuchet MS; "><B>QUARTERLY TRENDS</B></FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="14" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><FONT STYLE="font-family:Trebuchet MS; "><B>FULL YEAR</B></FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:arial; font-size:8pt">
<TD VALIGN="bottom" NOWRAP> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-bottom:1.00pt solid #000000; display:table-cell; font-size:8pt; font-family:Trebuchet MS; "><B>CONSUMER BANKING</B></P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD COLSPAN="2" VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD COLSPAN="2" VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD COLSPAN="2" VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD COLSPAN="2" VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD COLSPAN="2" VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="14" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><FONT STYLE="font-family:Trebuchet MS; "><B>4Q19 Change</B></FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD COLSPAN="2" VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD COLSPAN="2" VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="6" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><FONT STYLE="font-family:Trebuchet MS; "><B>2019&nbsp;Change</B></FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:arial; font-size:8pt">
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><FONT STYLE="font-family:Trebuchet MS; "><B>4Q19</B></FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><FONT STYLE="font-family:Trebuchet MS; "><B>3Q19</B></FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><FONT STYLE="font-family:Trebuchet MS; "><B>2Q19</B></FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><FONT STYLE="font-family:Trebuchet MS; "><B>1Q19</B></FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><FONT STYLE="font-family:Trebuchet MS; "><B>4Q18</B></FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="6" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><FONT STYLE="font-family:Trebuchet MS; "><B>3Q19</B></FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="6" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><FONT STYLE="font-family:Trebuchet MS; "><B>4Q18</B></FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><FONT STYLE="font-family:Trebuchet MS; "><B>2019</B></FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><FONT STYLE="font-family:Trebuchet MS; "><B>2018</B></FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="6" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><FONT STYLE="font-family:Trebuchet MS; "><B>2018</B></FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:arial; font-size:8pt">
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD COLSPAN="2" VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD COLSPAN="2" VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD COLSPAN="2" VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD COLSPAN="2" VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD COLSPAN="2" VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><FONT STYLE="font-family:Trebuchet MS; "><B>$/bps</B></FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><FONT STYLE="font-family:Trebuchet MS; "><B>%</B></FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><FONT STYLE="font-family:Trebuchet MS; "><B>$/bps</B></FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><FONT STYLE="font-family:Trebuchet MS; "><B>%</B></FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD COLSPAN="2" VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD COLSPAN="2" VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><FONT STYLE="font-family:Trebuchet MS; "><B>$/bps</B></FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><FONT STYLE="font-family:Trebuchet MS; "><B>%</B></FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>


<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:arial; font-size:8pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:8pt; font-family:Trebuchet MS">Net interest income</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">796</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">799</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">799</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">788</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">796</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">($</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">3</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">)&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">&#151;&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">%&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">&#151;&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">&#151;&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">%&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">3,182</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">3,064</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">118</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">4</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">%&nbsp;</FONT></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:arial; font-size:8pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:8pt; font-family:Trebuchet MS">Noninterest income</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">296</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">336</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">277</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">247</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">265</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">(40</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">)&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">(12</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">)&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">31</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">12</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">1,156</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">973</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">183</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">19</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:arial; font-size:8pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:8pt; font-family:Trebuchet MS">Total revenue</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">1,092</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">1,135</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">1,076</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">1,035</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">1,061</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">(43</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">)&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">(4</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">)&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">31</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">3</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">4,338</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">4,037</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">301</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">7</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:arial; font-size:8pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:8pt; font-family:Trebuchet MS">Noninterest expense</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">718</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">718</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">715</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">700</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">723</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">&#151;&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">&#151;&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">(5</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">)&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">(1</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">)&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">2,851</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">2,723</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">128</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">5</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:arial; font-size:8pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:8pt; font-family:Trebuchet MS">Profit before provision for credit losses</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">374</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">417</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">361</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">335</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">338</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">(43</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">)&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">(10</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">)&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">36</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">11</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">1,487</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">1,314</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">173</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">13</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:arial; font-size:8pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:8pt; font-family:Trebuchet MS">Provision for credit losses</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">97</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">83</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">78</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">67</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">80</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">14</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">17</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">17</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">21</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">325</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">289</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">36</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">12</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:arial; font-size:8pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:8pt; font-family:Trebuchet MS">Income before income tax expense</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">277</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">334</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">283</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">268</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">258</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">(57</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">)&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">(17</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">)&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">19</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">7</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">1,162</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">1,025</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">137</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">13</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:arial; font-size:8pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:8pt; font-family:Trebuchet MS">Income tax expense</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">68</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">83</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">70</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">66</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">65</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">(15</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">)&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">(18</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">)&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">3</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">5</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">287</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">258</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">29</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">11</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:arial; font-size:8pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:8pt; font-family:Trebuchet MS">Net income</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">209</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">251</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">213</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">202</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">193</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">($</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">42</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">)&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">(17</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">%)&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">16</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">8</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">%&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">875</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">767</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">108</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">14</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">%&nbsp;</FONT></TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:arial; font-size:8pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:8pt; font-family:Trebuchet MS"><B><U>AVERAGE BALANCES</U></B></P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:arial; font-size:8pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:8pt; font-family:Trebuchet MS">Total assets</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">68,069</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">66,365</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">65,485</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">65,007</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">64,187</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">1,704</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">3</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">%&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">3,882</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">6</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">%&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">66,240</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">62,444</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">3,796</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">6</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">%&nbsp;</FONT></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:arial; font-size:8pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:8pt; font-family:Trebuchet MS">Total loans and leases<SUP STYLE="font-size:85%; vertical-align:top">1 </SUP></P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">65,157</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">63,553</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">62,678</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">62,163</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">61,920</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">1,604</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">3</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">3,237</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">5</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">63,396</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">60,691</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">2,705</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">4</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:arial; font-size:8pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:8pt; font-family:Trebuchet MS">Deposits</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">85,477</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">85,595</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">85,660</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">82,569</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">79,174</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">(118</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">)&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">&#151;&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">6,303</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">8</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">84,835</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">77,542</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">7,293</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">9</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:arial; font-size:8pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:8pt; font-family:Trebuchet MS">Interest-earning assets</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">65,208</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">63,605</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">62,731</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">62,216</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">61,975</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">1,603</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">3</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">3,233</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">5</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">63,449</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">60,743</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">2,706</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">4</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:arial; font-size:8pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:8pt; font-family:Trebuchet MS"><B><U>KEY METRICS</U></B></P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:arial; font-size:8pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:8pt; font-family:Trebuchet MS">Net interest margin</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">4.85</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">%&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">4.99</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">%&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">5.11</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">%&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">5.14</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">%&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">5.09</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">%&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">(14</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">)&nbsp;bps&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">(24</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">)&nbsp;bps&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">5.02</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">%&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">5.04</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">%&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">(2</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">)&nbsp;bps&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:arial; font-size:8pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:8pt; font-family:Trebuchet MS">Efficiency ratio</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">65.74</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">63.28</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">66.43</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">67.62</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">68.22</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">246</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;bps&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">(248</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">)&nbsp;bps&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">65.72</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">67.47</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">(175</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">)&nbsp;bps&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:arial; font-size:8pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:8pt; font-family:Trebuchet MS"><FONT STYLE="white-space:nowrap"><FONT STYLE="white-space:nowrap">Loans-to-deposits</FONT></FONT>
ratio <FONT STYLE="white-space:nowrap">(period-end</FONT> balances)</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">74.15</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">73.61</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">71.13</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">71.17</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">76.02</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">54</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;bps&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">(187</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">)&nbsp;bps&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">74.15</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">76.02</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">(187</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">)&nbsp;bps&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:arial; font-size:8pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:8pt; font-family:Trebuchet MS"><FONT STYLE="white-space:nowrap"><FONT STYLE="white-space:nowrap">Loans-to-deposits</FONT></FONT>
ratio (average balances)</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">73.37</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">72.11</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">71.57</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">74.27</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">76.91</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">126</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;bps&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">(354</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">)&nbsp;bps&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">72.81</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">77.42</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">(461</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">)&nbsp;bps&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:arial; font-size:8pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:8pt; font-family:Trebuchet MS">Return on average total tangible assets</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">1.22</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">1.50</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">1.31</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">1.26</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">1.19</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">(28</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">)&nbsp;bps&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">3</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;bps&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">1.32</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">1.23</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">9</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;bps&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR></TABLE> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Trebuchet MS; font-size:8pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="4%" VALIGN="top" ALIGN="left"><SUP STYLE="font-size:85%; vertical-align:top">1</SUP></TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:8pt; font-family:Trebuchet MS; " ALIGN="left">Includes loans held for sale. </P></TD></TR></TABLE>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Trebuchet MS" ALIGN="center">13 </P>


<p Style='page-break-before:always'>
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">


 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Trebuchet MS"><B>SEGMENT FINANCIAL HIGHLIGHTS - CONSUMER BANKING, CONTINUED </B></P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Trebuchet MS"><B>(in millions, except ratio data) </B></P> <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P>

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<TD VALIGN="bottom">&nbsp;</TD>
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<TD VALIGN="bottom" COLSPAN="34" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><FONT STYLE="font-family:Trebuchet MS; "><B>QUARTERLY TRENDS</B></FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="14" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><FONT STYLE="font-family:Trebuchet MS; "><B>FULL YEAR</B></FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:arial; font-size:8pt">
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD COLSPAN="2" VALIGN="bottom">&nbsp;</TD>
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<TD COLSPAN="2" VALIGN="bottom">&nbsp;</TD>
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<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="14" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><FONT STYLE="font-family:Trebuchet MS; "><B>4Q19 Change</B></FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD COLSPAN="2" VALIGN="bottom">&nbsp;</TD>
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<TD COLSPAN="2" VALIGN="bottom">&nbsp;</TD>
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<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="6" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><FONT STYLE="font-family:Trebuchet MS; "><B>2019&nbsp;Change</B></FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:arial; font-size:8pt">
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><FONT STYLE="font-family:Trebuchet MS; "><B>4Q19</B></FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><FONT STYLE="font-family:Trebuchet MS; "><B>3Q19</B></FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><FONT STYLE="font-family:Trebuchet MS; "><B>2Q19</B></FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><FONT STYLE="font-family:Trebuchet MS; "><B>1Q19</B></FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><FONT STYLE="font-family:Trebuchet MS; "><B>4Q18</B></FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="6" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><FONT STYLE="font-family:Trebuchet MS; "><B>3Q19</B></FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="6" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><FONT STYLE="font-family:Trebuchet MS; "><B>4Q18</B></FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><FONT STYLE="font-family:Trebuchet MS; "><B>2019</B></FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><FONT STYLE="font-family:Trebuchet MS; "><B>2018</B></FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="6" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><FONT STYLE="font-family:Trebuchet MS; "><B>2018</B></FONT></TD>
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<TR STYLE="page-break-inside:avoid ; font-family:arial; font-size:8pt">
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<TD COLSPAN="2" VALIGN="bottom">&nbsp;</TD>
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<TD VALIGN="bottom">&nbsp;</TD>
<TD COLSPAN="2" VALIGN="bottom">&nbsp;</TD>
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<TD COLSPAN="2" VALIGN="bottom">&nbsp;</TD>
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<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><FONT STYLE="font-family:Trebuchet MS; "><B>$/bps</B></FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><FONT STYLE="font-family:Trebuchet MS; "><B>%</B></FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><FONT STYLE="font-family:Trebuchet MS; "><B>$/bps</B></FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><FONT STYLE="font-family:Trebuchet MS; "><B>%</B></FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD COLSPAN="2" VALIGN="bottom">&nbsp;</TD>
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<TD COLSPAN="2" VALIGN="bottom">&nbsp;</TD>
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<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><FONT STYLE="font-family:Trebuchet MS; "><B>$/bps</B></FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><FONT STYLE="font-family:Trebuchet MS; "><B>%</B></FONT></TD>
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<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:arial; font-size:8pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:8pt; font-family:Trebuchet MS"><B><U>MORTGAGE BANKING FEES</U></B></P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
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<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
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<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
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<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:arial; font-size:8pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:8pt; font-family:Trebuchet MS">Production revenue</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">61</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">80</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">49</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">31</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">29</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">($</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">19</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">)&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">(24</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">%)&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">32</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">110</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">%&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">221</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">93</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">128</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">138</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">%&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:arial; font-size:8pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:8pt; font-family:Trebuchet MS">Mortgage servicing revenue</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">16</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">12</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">9</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">14</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">21</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">4</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">33</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">(5</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">)&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">(24</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">)&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">51</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">53</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">(2</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">)&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">(4</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">)&nbsp;</FONT></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:arial; font-size:8pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:8pt; font-family:Trebuchet MS">MSR valuation changes, net of hedge impact</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">4</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">25</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">4</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">(2</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">)&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">6</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">(21</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">)&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">(84</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">)&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">(2</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">)&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">(33</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">)&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">31</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">11</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">20</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">182</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:arial; font-size:8pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:8pt; font-family:Trebuchet MS">Total mortgage banking fees</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">81</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">117</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">62</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">43</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">56</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">($</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">36</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">)&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">(31</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">%)&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">25</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">45</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">%&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">303</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">157</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">146</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">93</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">%&nbsp;</FONT></TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:arial; font-size:8pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:8pt; font-family:Trebuchet MS">Gain on sale of secondary originations</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">0.98</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">%&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">1.40</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">%&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">1.13</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">%&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">1.28</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">%&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">0.82</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">%&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">(42</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">)&nbsp;bps&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">16</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;bps&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">1.18</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">%&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">1.10</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">%&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">8</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;bps&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD>
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<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:arial; font-size:8pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:8pt; font-family:Trebuchet MS"><B><U>RESIDENTIAL REAL ESTATE ORIGINATIONS</U></B></P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
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<TD VALIGN="bottom"></TD>
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<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
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<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:arial; font-size:8pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:8pt; font-family:Trebuchet MS">Retail</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">3,196</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">2,771</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">2,115</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">1,313</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">1,693</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">425</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">15</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">%&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">1,503</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">89</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">%&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">9,395</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">6,728</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">2,667</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">40</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">%&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:arial; font-size:8pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:8pt; font-family:Trebuchet MS">Third Party</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">5,750</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">5,080</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">3,921</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">2,260</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">2,880</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">670</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">13</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">2,870</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">100</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">17,011</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">5,058</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">11,953</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">236</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:arial; font-size:8pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:8pt; font-family:Trebuchet MS">Total</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">8,946</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">7,851</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">6,036</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">3,573</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">4,573</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">1,095</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">14</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">%&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">4,373</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">96</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">%&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">26,406</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">11,786</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">14,620</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">124</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">%&nbsp;</FONT></TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:arial; font-size:8pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:8pt; font-family:Trebuchet MS">Originated for sale</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">80</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">%&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">80</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">%&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">81</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">%&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">81</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">%&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">80</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">%&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">&#151;&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;bps&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">&#151;&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;bps&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">80</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">%&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">68</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">%&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">1,200</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;bps&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:arial; font-size:8pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:8pt; font-family:Trebuchet MS">Originated for investment</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">20</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">20</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">19</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">19</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">20</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">&#151;&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;bps&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">&#151;&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;bps&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">20</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">32</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">(1,200</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">)&nbsp;bps&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:arial; font-size:8pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:8pt; font-family:Trebuchet MS">Total</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">100</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">%&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">100</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">%&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">100</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">%&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">100</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">%&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">100</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">%&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">100</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">%&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">100</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">%&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:arial; font-size:8pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:8pt; font-family:Trebuchet MS"><B><U>MORTGAGE SERVICING INFORMATION (UPB)</U></B></P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:arial; font-size:8pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:8pt; font-family:Trebuchet MS">Loans serviced for others</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">77,526</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">74,610</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">72,518</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">70,847</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">69,593</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">2,916</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">4</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">%&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">7,933</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">11</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">%&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">77,526</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">69,593</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">7,933</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">11</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">%&nbsp;</FONT></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:arial; font-size:8pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:8pt; font-family:Trebuchet MS">Owned loans serviced</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">20,831</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">19,969</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">19,258</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">18,437</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">18,298</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">862</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">4</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">2,533</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">14</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">20,831</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">18,298</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">2,533</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">14</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:arial; font-size:8pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:8pt; font-family:Trebuchet MS">Total</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">98,357</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">94,579</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">91,776</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">89,284</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">87,891</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">3,778</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">4</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">%&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">10,466</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">12</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">%&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">98,357</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">87,891</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">10,466</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">12</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">%&nbsp;</FONT></TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:arial; font-size:8pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:8pt; font-family:Trebuchet MS"><B><U>MSR CARRYING VALUE</U></B></P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:arial; font-size:8pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:8pt; font-family:Trebuchet MS">MSR at fair value</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">642</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">510</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">531</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">563</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">600</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">132</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">26</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">%&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">42</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">7</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">%&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">642</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">600</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">42</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">7</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">%&nbsp;</FONT></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:arial; font-size:8pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:8pt; font-family:Trebuchet MS">MSR at lower of cost or market</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">182</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">177</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">189</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">212</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">221</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">5</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">3</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">(39</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">)&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">(18</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">)&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">182</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">221</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">(39</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">)&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">(18</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">)&nbsp;</FONT></TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:arial; font-size:8pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:8pt; font-family:Trebuchet MS">Total</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">824</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">687</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">720</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">775</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">821</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">137</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">20</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">%&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">3</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">&#151;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">%&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">824</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">821</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">3</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">&#151;&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">%&nbsp;</FONT></TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
</TABLE>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Trebuchet MS" ALIGN="center">14 </P>


<p Style='page-break-before:always'>
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">

 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Trebuchet MS"><B>SEGMENT FINANCIAL HIGHLIGHTS - COMMERCIAL BANKING </B></P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Trebuchet MS"><B>(in millions, except ratio data) </B></P> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:8pt" ALIGN="center">


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<TD WIDTH="40%"></TD>

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<TR STYLE="page-break-inside:avoid ; font-family:arial; font-size:8pt">
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="34" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><FONT STYLE="font-family:Trebuchet MS; "><B>QUARTERLY TRENDS</B></FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="14" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><FONT STYLE="font-family:Trebuchet MS; "><B>FULL YEAR</B></FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:arial; font-size:8pt">
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-bottom:1.00pt solid #000000; display:table-cell; font-size:8pt; font-family:Trebuchet MS; "><B>COMMERCIAL BANKING</B></P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD COLSPAN="2" VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD COLSPAN="2" VALIGN="bottom">&nbsp;</TD>
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<TD VALIGN="bottom">&nbsp;</TD>
<TD COLSPAN="2" VALIGN="bottom">&nbsp;</TD>
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<TD COLSPAN="2" VALIGN="bottom">&nbsp;</TD>
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<TD COLSPAN="2" VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
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<TD VALIGN="bottom" COLSPAN="14" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><FONT STYLE="font-family:Trebuchet MS; "><B>4Q19 Change</B></FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD COLSPAN="2" VALIGN="bottom">&nbsp;</TD>
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<TD COLSPAN="2" VALIGN="bottom">&nbsp;</TD>
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<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="6" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><FONT STYLE="font-family:Trebuchet MS; "><B>2019&nbsp;Change</B></FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:arial; font-size:8pt">
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><FONT STYLE="font-family:Trebuchet MS; "><B>4Q19</B></FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><FONT STYLE="font-family:Trebuchet MS; "><B>3Q19</B></FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
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<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><FONT STYLE="font-family:Trebuchet MS; "><B>2Q19</B></FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><FONT STYLE="font-family:Trebuchet MS; "><B>1Q19</B></FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><FONT STYLE="font-family:Trebuchet MS; "><B>4Q18</B></FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="6" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><FONT STYLE="font-family:Trebuchet MS; "><B>3Q19</B></FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="6" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><FONT STYLE="font-family:Trebuchet MS; "><B>4Q18</B></FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><FONT STYLE="font-family:Trebuchet MS; "><B>2019</B></FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><FONT STYLE="font-family:Trebuchet MS; "><B>2018</B></FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="6" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><FONT STYLE="font-family:Trebuchet MS; "><B>2018</B></FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:arial; font-size:8pt">
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD COLSPAN="2" VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD COLSPAN="2" VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD COLSPAN="2" VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD COLSPAN="2" VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD COLSPAN="2" VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><FONT STYLE="font-family:Trebuchet MS; "><B>$/bps</B></FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><FONT STYLE="font-family:Trebuchet MS; "><B>%</B></FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><FONT STYLE="font-family:Trebuchet MS; "><B>$/bps</B></FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><FONT STYLE="font-family:Trebuchet MS; "><B>%</B></FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD COLSPAN="2" VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD COLSPAN="2" VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><FONT STYLE="font-family:Trebuchet MS; "><B>$/bps</B></FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><FONT STYLE="font-family:Trebuchet MS; "><B>%</B></FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>


<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:arial; font-size:8pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:8pt; font-family:Trebuchet MS">Net interest income</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">363</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">360</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">371</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">372</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">384</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">3</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">1</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">%&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">($</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">21</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">)&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">(5</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">%)&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">1,466</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">1,497</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">($</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">31</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">)&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">(2</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">%)&nbsp;</FONT></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:arial; font-size:8pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:8pt; font-family:Trebuchet MS">Noninterest income</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">175</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">133</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">149</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">150</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">140</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">42</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">32</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">35</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">25</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">607</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">545</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">62</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">11</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:arial; font-size:8pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:8pt; font-family:Trebuchet MS">Total revenue</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">538</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">493</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">520</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">522</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">524</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">45</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">9</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">14</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">3</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">2,073</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">2,042</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">31</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">2</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:arial; font-size:8pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:8pt; font-family:Trebuchet MS">Noninterest expense</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">219</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">213</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">217</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">209</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">203</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">6</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">3</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">16</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">8</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">858</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">813</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">45</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">6</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:arial; font-size:8pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:8pt; font-family:Trebuchet MS">Profit before provision for credit losses</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">319</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">280</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">303</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">313</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">321</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">39</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">14</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">(2</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">)&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">(1</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">)&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">1,215</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">1,229</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">(14</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">)&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">(1</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">)&nbsp;</FONT></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:arial; font-size:8pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:8pt; font-family:Trebuchet MS">Provision for credit losses</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">24</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">27</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">25</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">21</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">7</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">(3</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">)&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">(11</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">)&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">17</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">243</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">97</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">26</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">71</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">NM</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:arial; font-size:8pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:8pt; font-family:Trebuchet MS">Income before income tax expense</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">295</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">253</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">278</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">292</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">314</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">42</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">17</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">(19</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">)&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">(6</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">)&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">1,118</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">1,203</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">(85</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">)&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">(7</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">)&nbsp;</FONT></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:arial; font-size:8pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:8pt; font-family:Trebuchet MS">Income tax expense</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">64</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">57</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">62</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">65</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">73</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">7</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">12</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">(9</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">)&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">(12</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">)&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">248</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">276</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">(28</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">)&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">(10</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">)&nbsp;</FONT></TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:arial; font-size:8pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:8pt; font-family:Trebuchet MS">Net income</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">231</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">196</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">216</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">227</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">241</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">35</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">18</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">%&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">($</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">10</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">)&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">(4</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">%)&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">870</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">927</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">($</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">57</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">)&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">(6</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">%)&nbsp;</FONT></TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:arial; font-size:8pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:8pt; font-family:Trebuchet MS"><B><U>AVERAGE BALANCES</U></B></P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:arial; font-size:8pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:8pt; font-family:Trebuchet MS">Total assets</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">56,407</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">55,614</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">56,135</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">55,630</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">53,970</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">793</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">1</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">%&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">2,437</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">5</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">%&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">55,947</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">52,362</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">3,585</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">7</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">%&nbsp;</FONT></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:arial; font-size:8pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:8pt; font-family:Trebuchet MS">Total loans and leases<SUP STYLE="font-size:85%; vertical-align:top">1 </SUP></P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">54,523</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">53,814</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">54,653</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">54,436</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">52,963</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">709</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">1</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">1,560</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">3</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">54,355</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">51,344</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">3,011</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">6</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:arial; font-size:8pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:8pt; font-family:Trebuchet MS">Deposits</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">32,715</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">31,491</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">30,273</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">29,823</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">30,608</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">1,224</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">4</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">2,107</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">7</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">31,085</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">30,704</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">381</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">1</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:arial; font-size:8pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:8pt; font-family:Trebuchet MS">Interest-earning assets</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">54,905</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">54,087</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">54,950</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">54,724</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">53,221</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">818</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">2</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">1,684</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">3</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">54,666</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">51,572</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">3,094</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">6</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:arial; font-size:8pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:8pt; font-family:Trebuchet MS"><B><U>KEY METRICS</U></B></P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:arial; font-size:8pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:8pt; font-family:Trebuchet MS">Net interest margin</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">2.62</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">%&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">2.64</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">%&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">2.71</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">%&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">2.76</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">%&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">2.86</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">%&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">(2</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">)&nbsp;bps&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">(24</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">)&nbsp;bps&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">2.68</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">%&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">2.90</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">%&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">(22</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">)&nbsp;bps&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:arial; font-size:8pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:8pt; font-family:Trebuchet MS">Efficiency ratio</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">40.60</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">43.35</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">41.58</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">40.11</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">38.73</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">(275</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">)&nbsp;bps&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">187</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;bps&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">41.38</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">39.80</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">158</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;bps&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:arial; font-size:8pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:8pt; font-family:Trebuchet MS"><FONT STYLE="white-space:nowrap"><FONT STYLE="white-space:nowrap">Loans-to-deposits</FONT></FONT>
ratio <FONT STYLE="white-space:nowrap">(period-end</FONT> balances)</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">165.24</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">163.62</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">173.48</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">180.53</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">172.27</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">162</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;&nbsp;bps&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">(703</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">)&nbsp;bps&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">165.24</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">172.27</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">(703</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">)&nbsp;bps&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:arial; font-size:8pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:8pt; font-family:Trebuchet MS"><FONT STYLE="white-space:nowrap"><FONT STYLE="white-space:nowrap">Loans-to-deposits</FONT></FONT>
ratio (average balances)</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">165.80</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">170.01</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">179.49</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">181.23</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">172.07</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">(421</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">)&nbsp;bps&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">(627</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">)&nbsp;bps&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">173.85</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">166.09</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">776</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;bps&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:arial; font-size:8pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:8pt; font-family:Trebuchet MS">Return on average total tangible assets</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">1.63</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">1.40</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">1.54</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">1.66</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">1.78</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">23</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;&nbsp;bps&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">(15</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">)&nbsp;bps&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">1.56</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">1.77</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">(21</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">)&nbsp;bps&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR></TABLE> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Trebuchet MS; font-size:8pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="4%" VALIGN="top" ALIGN="left"><SUP STYLE="font-size:85%; vertical-align:top">1</SUP></TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:8pt; font-family:Trebuchet MS; " ALIGN="left">Includes loans held for sale. </P></TD></TR></TABLE>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Trebuchet MS" ALIGN="center">15 </P>


<p Style='page-break-before:always'>
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">

 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Trebuchet MS"><B>SEGMENT FINANCIAL HIGHLIGHTS - OTHER </B></P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Trebuchet MS"><B>(in millions) </B></P> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:8pt" ALIGN="center">


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<TD></TD>
<TD></TD>

<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
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<TD></TD>

<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>

<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
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<TD></TD>

<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
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<TD></TD>

<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>

<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
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<TD></TD>

<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
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<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
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<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
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<TD></TD>

<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
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<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
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<TD></TD>

<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD></TD>
<TD></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:arial; font-size:8pt">
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="34" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><FONT STYLE="font-family:Trebuchet MS; "><B>QUARTERLY TRENDS</B></FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="14" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><FONT STYLE="font-family:Trebuchet MS; "><B>FULL YEAR</B></FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:arial; font-size:8pt">
<TD VALIGN="bottom" NOWRAP><FONT STYLE="font-family:Trebuchet MS; "><B><U>OTHER</U><SUP STYLE="font-size:85%; vertical-align:top">1 </SUP></B></FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD COLSPAN="2" VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD COLSPAN="2" VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD COLSPAN="2" VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD COLSPAN="2" VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD COLSPAN="2" VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="14" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><FONT STYLE="font-family:Trebuchet MS; "><B>4Q19 Change</B></FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD COLSPAN="2" VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD COLSPAN="2" VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="6" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><FONT STYLE="font-family:Trebuchet MS; "><B>2019&nbsp;Change</B></FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:arial; font-size:8pt">
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><FONT STYLE="font-family:Trebuchet MS; "><B>4Q19</B></FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><FONT STYLE="font-family:Trebuchet MS; "><B>3Q19</B></FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><FONT STYLE="font-family:Trebuchet MS; "><B>2Q19</B></FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><FONT STYLE="font-family:Trebuchet MS; "><B>1Q19</B></FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><FONT STYLE="font-family:Trebuchet MS; "><B>4Q18</B></FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="6" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><FONT STYLE="font-family:Trebuchet MS; "><B>3Q19</B></FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="6" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><FONT STYLE="font-family:Trebuchet MS; "><B>4Q18</B></FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><FONT STYLE="font-family:Trebuchet MS; "><B>2019</B></FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><FONT STYLE="font-family:Trebuchet MS; "><B>2018</B></FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="6" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><FONT STYLE="font-family:Trebuchet MS; "><B>2018</B></FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:arial; font-size:8pt">
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD COLSPAN="2" VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD COLSPAN="2" VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD COLSPAN="2" VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD COLSPAN="2" VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD COLSPAN="2" VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" NOWRAP ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><FONT STYLE="font-family:Trebuchet MS; "><B>$</B></FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><FONT STYLE="font-family:Trebuchet MS; "><B>%</B></FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" NOWRAP ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><FONT STYLE="font-family:Trebuchet MS; "><B>$</B></FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><FONT STYLE="font-family:Trebuchet MS; "><B>%</B></FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD COLSPAN="2" VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD COLSPAN="2" VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" NOWRAP ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><FONT STYLE="font-family:Trebuchet MS; "><B>$</B></FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><FONT STYLE="font-family:Trebuchet MS; "><B>%</B></FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>


<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:arial; font-size:8pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:8pt; font-family:Trebuchet MS">Net interest income</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">($</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">16</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">)&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">($</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">14</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">)&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">($</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">4</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">)&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">&#151;&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">($</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">8</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">)&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">($</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">2</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">)&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">(14</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">%)&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">($</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">8</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">)&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">(100</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">%)&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">($</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">34</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">)&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">($</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">29</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">)&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">($</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">5</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">)&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">(17</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">%)&nbsp;</FONT></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:arial; font-size:8pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:8pt; font-family:Trebuchet MS">Noninterest income</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">23</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">24</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">36</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">31</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">16</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">(1</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">)&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">(4</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">)&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">7</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">44</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">114</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">78</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">36</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">46</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:arial; font-size:8pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:8pt; font-family:Trebuchet MS">Total revenue</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">7</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">10</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">32</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">31</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">8</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">(3</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">)&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">(30</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">)&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">(1</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">)&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">(13</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">)&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">80</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">49</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">31</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">63</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:arial; font-size:8pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:8pt; font-family:Trebuchet MS">Noninterest expense</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">49</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">42</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">19</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">28</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">25</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">7</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">17</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">24</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">96</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">138</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">83</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">55</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">66</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
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<TD>&nbsp;</TD>
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<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
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<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
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<TD>&nbsp;</TD>
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<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:arial; font-size:8pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:8pt; font-family:Trebuchet MS">(Loss) profit before provision for credit losses</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">(42</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">)&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">(32</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">)&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">13</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">3</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">(17</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">)&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">(10</FONT></TD>
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<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">(31</FONT></TD>
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<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">(25</FONT></TD>
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<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">(147</FONT></TD>
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<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">(58</FONT></TD>
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<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">(34</FONT></TD>
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<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">(24</FONT></TD>
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<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">(71</FONT></TD>
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<TR STYLE="page-break-inside:avoid ; font-family:arial; font-size:8pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:8pt; font-family:Trebuchet MS">Provision for credit losses</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">(11</FONT></TD>
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<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">(9</FONT></TD>
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<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">(6</FONT></TD>
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<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">(3</FONT></TD>
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<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">(2</FONT></TD>
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<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">(2</FONT></TD>
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<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">(22</FONT></TD>
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<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">(9</FONT></TD>
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<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">NM</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">(29</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">)&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">11</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">(40</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">)&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">NM</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
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<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
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<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:arial; font-size:8pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:8pt; font-family:Trebuchet MS">(Loss) income before income tax benefit</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">(31</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">)&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">(23</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">)&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">19</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">6</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">(15</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">)&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">(8</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">)&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">(35</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">)&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">(16</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">)&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">(107</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">)&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">(29</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">)&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">(45</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">)&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">16</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">36</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:arial; font-size:8pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:8pt; font-family:Trebuchet MS">Income tax benefit</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">(41</FONT></TD>
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<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">(25</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">)&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">(5</FONT></TD>
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<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">(4</FONT></TD>
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<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">(46</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">)&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">(16</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">)&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">(64</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">)&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">5</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">11</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">(75</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">)&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">(72</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">)&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">(3</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">)&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">(4</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">)&nbsp;</FONT></TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:arial; font-size:8pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:8pt; font-family:Trebuchet MS">Net income</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">10</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">2</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">24</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">10</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">31</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">8</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">NM</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">($</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">21</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">)&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">(68</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">%)&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">46</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">27</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">19</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">70</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">%&nbsp;</FONT></TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:arial; font-size:8pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:8pt; font-family:Trebuchet MS"><B><U>AVERAGE BALANCES</U></B></P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:arial; font-size:8pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:8pt; font-family:Trebuchet MS">Total assets</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">40,170</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">40,131</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">39,869</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">39,778</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">39,575</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">39</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">&#151;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">%&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">595</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">2</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">%&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">39,989</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">39,747</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">242</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">1</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">%&nbsp;</FONT></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:arial; font-size:8pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:8pt; font-family:Trebuchet MS">Total loans and leases<SUP STYLE="font-size:85%; vertical-align:top">2 </SUP></P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">1,951</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">1,994</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">2,138</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">2,276</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">2,334</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">(43</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">)&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">(2</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">)&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">(383</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">)&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">(16</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">)&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">2,089</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">2,446</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">(357</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">)&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">(15</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">)&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:arial; font-size:8pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:8pt; font-family:Trebuchet MS">Deposits</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">7,460</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">6,835</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">7,219</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">8,022</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">7,983</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">625</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">9</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">(523</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">)&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">(7</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">)&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">7,381</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">7,611</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">(230</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">)&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">(3</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">)&nbsp;</FONT></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:arial; font-size:8pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:8pt; font-family:Trebuchet MS">Interest-earning assets</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">28,798</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">28,783</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">28,642</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">28,573</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">28,574</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">15</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">&#151;&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">224</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">1</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">28,699</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">28,984</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">(285</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">)&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">(1</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">)&nbsp;</FONT></TD></TR>
</TABLE> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Trebuchet MS; font-size:8pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="4%" VALIGN="top" ALIGN="left"><SUP STYLE="font-size:85%; vertical-align:top">1</SUP></TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:8pt; font-family:Trebuchet MS; " ALIGN="left">Includes the financial impact of <FONT STYLE="white-space:nowrap">non-core,</FONT> liquidating loan portfolios and
other <FONT STYLE="white-space:nowrap">non-core</FONT> assets, our treasury activities, wholesale funding activities, securities portfolio, community development assets and other unallocated assets, liabilities, capital, revenues, provision for
credit losses, expenses and income tax expense, not attributed to our Consumer Banking or Commercial Banking segments. </P></TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Trebuchet MS; font-size:8pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="4%" VALIGN="top" ALIGN="left"><SUP STYLE="font-size:85%; vertical-align:top">2</SUP></TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:8pt; font-family:Trebuchet MS; " ALIGN="left">Includes loans held for sale. </P></TD></TR></TABLE>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Trebuchet MS" ALIGN="center">16 </P>


<p Style='page-break-before:always'>
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">


 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Trebuchet MS"><B><A NAME="ex99_3866808_8"></A>CREDIT-RELATED INFORMATION </B></P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Trebuchet MS"><B>(in millions, except ratio data) </B></P> <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:8pt" ALIGN="center">


<TR>

<TD WIDTH="41%"></TD>

<TD VALIGN="bottom" WIDTH="3%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>

<TD VALIGN="bottom" WIDTH="3%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>

<TD VALIGN="bottom" WIDTH="3%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>

<TD VALIGN="bottom" WIDTH="3%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>

<TD VALIGN="bottom" WIDTH="3%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>

<TD VALIGN="bottom" WIDTH="3%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>

<TD VALIGN="bottom" WIDTH="3%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>

<TD VALIGN="bottom" WIDTH="3%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>

<TD VALIGN="bottom" WIDTH="3%"></TD>
<TD></TD>
<TD></TD>
<TD></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:arial; font-size:8pt">
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="18" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><FONT STYLE="font-family:Trebuchet MS; "><B>AS OF</B></FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="14" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><FONT STYLE="font-family:Trebuchet MS; "><B>DECEMBER&nbsp;31,&nbsp;2019&nbsp;CHANGE</B></FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:arial; font-size:8pt">
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><FONT STYLE="font-family:Trebuchet MS; "><B>Dec&nbsp;31,&nbsp;2019</B></FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><FONT STYLE="font-family:Trebuchet MS; "><B>Sept&nbsp;30,&nbsp;2019</B></FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><FONT STYLE="font-family:Trebuchet MS; "><B>June&nbsp;30,&nbsp;2019</B></FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><FONT STYLE="font-family:Trebuchet MS; "><B>Mar&nbsp;31,&nbsp;2019</B></FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><FONT STYLE="font-family:Trebuchet MS; "><B>Dec&nbsp;31,&nbsp;2018</B></FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="6" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><FONT STYLE="font-family:Trebuchet MS; "><B>Sept&nbsp;30,&nbsp;2019</B></FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="6" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><FONT STYLE="font-family:Trebuchet MS; "><B>Dec&nbsp;31,&nbsp;2018</B></FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:arial; font-size:8pt">
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD COLSPAN="2" VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD COLSPAN="2" VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD COLSPAN="2" VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD COLSPAN="2" VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD COLSPAN="2" VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><FONT STYLE="font-family:Trebuchet MS; "><B>$/bps</B></FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><FONT STYLE="font-family:Trebuchet MS; "><B>%</B></FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><FONT STYLE="font-family:Trebuchet MS; "><B>$/bps</B></FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><FONT STYLE="font-family:Trebuchet MS; "><B>%</B></FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>


<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:arial; font-size:8pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:8pt; font-family:Trebuchet MS"><B><U><A NAME="ex99_3866808_9"></A>NONPERFORMING ASSETS</U></B></P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:arial; font-size:8pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:8pt; font-family:Trebuchet MS">Commercial</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">240</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">228</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">198</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">208</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">194</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">12</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">5</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">%&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">46</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">24</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">%&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:arial; font-size:8pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:8pt; font-family:Trebuchet MS">Commercial real estate</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">2</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">49</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">4</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">4</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">7</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">(47</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">)&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">(96</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">)&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">(5</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">)&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">(71</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">)&nbsp;</FONT></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:arial; font-size:8pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:8pt; font-family:Trebuchet MS">Leases</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">3</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">4</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">17</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">&#151;&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">&#151;&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">(1</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">)&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">(25</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">)&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">3</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">100</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:arial; font-size:8pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:5.00em; text-indent:-1.00em; font-size:8pt; font-family:Trebuchet MS">Total commercial loans and leases</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">245</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">281</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">219</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">212</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">201</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">(36</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">)&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">(13</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">)&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">44</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">22</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:arial; font-size:8pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:8pt; font-family:Trebuchet MS">Residential mortgages<SUP STYLE="font-size:85%; vertical-align:top">1 </SUP></P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">93</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">91</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">98</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">102</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">105</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">2</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">2</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">(12</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">)&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">(11</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">)&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:arial; font-size:8pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:8pt; font-family:Trebuchet MS">Home equity loans</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">33</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">36</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">38</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">42</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">50</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">(3</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">)&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">(8</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">)&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">(17</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">)&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">(34</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">)&nbsp;</FONT></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:arial; font-size:8pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:8pt; font-family:Trebuchet MS">Home equity lines of credit</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">187</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">184</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">210</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">217</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">231</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">3</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">2</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">(44</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">)&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">(19</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">)&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:arial; font-size:8pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:8pt; font-family:Trebuchet MS">Home equity loans serviced by others</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">14</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">14</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">16</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">15</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">17</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">&#151;&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">&#151;&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">(3</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">)&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">(18</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">)&nbsp;</FONT></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:arial; font-size:8pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:8pt; font-family:Trebuchet MS">Home equity lines of credit serviced by others</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">12</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">13</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">14</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">14</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">15</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">(1</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">)&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">(8</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">)&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">(3</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">)&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">(20</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">)&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:arial; font-size:8pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:8pt; font-family:Trebuchet MS">Automobile</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">67</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">69</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">62</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">70</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">81</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">(2</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">)&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">(3</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">)&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">(14</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">)&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">(17</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">)&nbsp;</FONT></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:arial; font-size:8pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:8pt; font-family:Trebuchet MS">Education</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">18</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">17</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">40</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">43</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">38</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">1</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">6</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">(20</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">)&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">(53</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">)&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:arial; font-size:8pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:8pt; font-family:Trebuchet MS">Credit card</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">22</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">21</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">20</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">22</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">20</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">1</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">5</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">2</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">10</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:arial; font-size:8pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:8pt; font-family:Trebuchet MS">Other retail</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">12</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">11</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">10</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">7</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">8</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">1</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">9</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">4</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">50</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:arial; font-size:8pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:5.00em; text-indent:-1.00em; font-size:8pt; font-family:Trebuchet MS">Total retail loans</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">458</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">456</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">508</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">532</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">565</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">2</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">&#151;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">(107</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">)&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">(19</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">)&nbsp;</FONT></TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:arial; font-size:8pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:5.00em; text-indent:-1.00em; font-size:8pt; font-family:Trebuchet MS">Nonperforming loans and leases</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">703</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">737</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">727</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">744</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">766</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">(34</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">)&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">(5</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">)&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">(63</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">)&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">(8</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">)&nbsp;</FONT></TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:arial; font-size:8pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:5.00em; text-indent:-1.00em; font-size:8pt; font-family:Trebuchet MS">Other nonperforming <FONT STYLE="white-space:nowrap">assets&nbsp;-&nbsp;Retail</FONT></P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">45</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">40</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">32</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">34</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">34</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">5</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">13</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">11</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">32</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:arial; font-size:8pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:5.00em; text-indent:-1.00em; font-size:8pt; font-family:Trebuchet MS"><B>Nonperforming assets</B></P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">748</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">777</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">759</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">778</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">800</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">($</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">29</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">)&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">(4</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">%)&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">($</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">52</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">)&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">(7</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">%)&nbsp;</FONT></TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:arial; font-size:8pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:8pt; font-family:Trebuchet MS"><B><U>NONPERFORMING ASSETS BY PRODUCT</U></B></P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:arial; font-size:8pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:8pt; font-family:Trebuchet MS">Commercial</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">245</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">281</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">219</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">212</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">201</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">($</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">36</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">)&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">(13</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">%)&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">44</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">22</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">%&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:arial; font-size:8pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:8pt; font-family:Trebuchet MS">Retail</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">503</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">496</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">540</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">566</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">599</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">7</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">1</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">(96</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">)&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">(16</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">)&nbsp;</FONT></TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:arial; font-size:8pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:7.00em; text-indent:-1.00em; font-size:8pt; font-family:Trebuchet MS">Total nonperforming assets</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">748</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">777</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">759</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">778</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">800</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">($</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">29</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">)&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">(4</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">%)&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">($</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">52</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">)&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">(7</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">%)&nbsp;</FONT></TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="font-size:1pt">
<TD HEIGHT="8"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD>
<TD HEIGHT="8" COLSPAN="4"></TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:arial; font-size:8pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:8pt; font-family:Trebuchet MS"><B><U>ASSET QUALITY RATIOS</U></B></P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:arial; font-size:8pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:8pt; font-family:Trebuchet MS">Allowance for loan and lease losses to loans and leases</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">1.05</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">%&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">1.07</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">%&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">1.05</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">%&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">1.06</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">%&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">1.06</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">%&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">(2</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">)&nbsp;bps&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">(1</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">)&nbsp;bps&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:arial; font-size:8pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:8pt; font-family:Trebuchet MS">Allowance for loan and lease losses to nonperforming loans and leases</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">177.99</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">171.39</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">168.80</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">167.36</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">162.20</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">660</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">1,579</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:arial; font-size:8pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:8pt; font-family:Trebuchet MS">Nonperforming loans and leases to loans and leases</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">0.59</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">0.63</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">0.62</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">0.63</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">0.66</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">(4</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">)&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">(7</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">)&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:arial; font-size:8pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:8pt; font-family:Trebuchet MS">Nonperforming assets to total assets</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">0.45</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">0.47</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">0.47</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">0.48</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">0.50</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">(2</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">)&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">(5</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">)&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
</TABLE> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Trebuchet MS; font-size:8pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="2%" VALIGN="top" ALIGN="left"><SUP STYLE="font-size:85%; vertical-align:top">1</SUP></TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:8pt; font-family:Trebuchet MS; " ALIGN="left">Beginning in the fourth quarter of 2019, nonperforming balances exclude both fully and partially guaranteed
residential mortgage loans sold to Ginnie Mae for which the Company has the right, but not the obligation, to repurchase. Prior periods have been adjusted to exclude partially guaranteed amounts to conform with the current period presentation.
</P></TD></TR></TABLE>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Trebuchet MS" ALIGN="center">17 </P>


<p Style='page-break-before:always'>
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">


 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Trebuchet MS"><B>CREDIT-RELATED INFORMATION, CONTINUED </B></P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Trebuchet MS"><B>(in millions) </B></P> <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Trebuchet MS; font-size:7pt" ALIGN="center">


<TR>

<TD WIDTH="52%"></TD>

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<TD></TD>
<TD></TD>
<TD></TD>

<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
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<TD></TD>

<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>

<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>

<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
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<TD></TD>

<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
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<TD></TD>
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<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD></TD>
<TD></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Trebuchet MS; font-size:7pt">
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="34" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; text-indent:1.29em; font-size:7pt; font-family:Trebuchet MS" ALIGN="center"><B>QUARTERLY TRENDS</B></P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="14" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; text-indent:1.29em; font-size:7pt; font-family:Trebuchet MS" ALIGN="center"><B>FULL YEAR</B></P></TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Trebuchet MS; font-size:7pt">
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD COLSPAN="2" VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD COLSPAN="2" VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD COLSPAN="2" VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD COLSPAN="2" VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD COLSPAN="2" VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="14" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; text-indent:1.29em; font-size:7pt; font-family:Trebuchet MS" ALIGN="center"><B>4Q19 Change</B></P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD COLSPAN="2" VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD COLSPAN="2" VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="6" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; text-indent:1.29em; font-size:7pt; font-family:Trebuchet MS" ALIGN="center"><B>2019&nbsp;Change</B></P></TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Trebuchet MS; font-size:7pt">
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; text-indent:1.29em; font-size:7pt; font-family:Trebuchet MS" ALIGN="center"><B>4Q19</B></P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; text-indent:1.29em; font-size:7pt; font-family:Trebuchet MS" ALIGN="center"><B>3Q19</B></P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; text-indent:1.29em; font-size:7pt; font-family:Trebuchet MS" ALIGN="center"><B>2Q19</B></P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; text-indent:1.29em; font-size:7pt; font-family:Trebuchet MS" ALIGN="center"><B>1Q19</B></P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; text-indent:1.29em; font-size:7pt; font-family:Trebuchet MS" ALIGN="center"><B>4Q18</B></P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="6" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; text-indent:1.29em; font-size:7pt; font-family:Trebuchet MS" ALIGN="center"><B>3Q19</B></P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="6" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; text-indent:1.29em; font-size:7pt; font-family:Trebuchet MS" ALIGN="center"><B>4Q18</B></P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; text-indent:1.29em; font-size:7pt; font-family:Trebuchet MS" ALIGN="center"><B>2019</B></P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; text-indent:1.29em; font-size:7pt; font-family:Trebuchet MS" ALIGN="center"><B>2018</B></P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="6" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; text-indent:1.29em; font-size:7pt; font-family:Trebuchet MS" ALIGN="center"><B>2018</B></P></TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Trebuchet MS; font-size:7pt">
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD COLSPAN="2" VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD COLSPAN="2" VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD COLSPAN="2" VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD COLSPAN="2" VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD COLSPAN="2" VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" NOWRAP ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; text-indent:1.29em; font-size:7pt; font-family:Trebuchet MS" ALIGN="center"><B>$</B></P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; text-indent:1.29em; font-size:7pt; font-family:Trebuchet MS" ALIGN="center"><B>%</B></P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" NOWRAP ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; text-indent:1.29em; font-size:7pt; font-family:Trebuchet MS" ALIGN="center"><B>$</B></P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; text-indent:1.29em; font-size:7pt; font-family:Trebuchet MS" ALIGN="center"><B>%</B></P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD COLSPAN="2" VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD COLSPAN="2" VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" NOWRAP ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; text-indent:1.29em; font-size:7pt; font-family:Trebuchet MS" ALIGN="center"><B>$</B></P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; text-indent:1.29em; font-size:7pt; font-family:Trebuchet MS" ALIGN="center"><B>%</B></P></TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>


<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Trebuchet MS; font-size:7pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:1.29em; font-size:7pt; font-family:Trebuchet MS"><B><U><A NAME="ex99_3866808_10"></A>CHARGE-OFFS, RECOVERIES AND RELATED RATIOS</U></B></P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
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<TD VALIGN="bottom"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Trebuchet MS; font-size:7pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:1.29em; font-size:7pt; font-family:Trebuchet MS"><B><U>GROSS CHARGE-OFFS</U></B></P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
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<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Trebuchet MS; font-size:7pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:1.29em; font-size:7pt; font-family:Trebuchet MS">Commercial</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">24</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">20</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">40</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">3</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">17</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">4</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">20</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">7</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">41</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">87</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">48</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">39</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">81</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Trebuchet MS; font-size:7pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:1.29em; font-size:7pt; font-family:Trebuchet MS">Commercial real estate</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">9</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">10</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">20</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(1</TD>
<TD NOWRAP VALIGN="bottom">)&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(10</TD>
<TD NOWRAP VALIGN="bottom">)&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">9</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">100</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">39</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">4</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">35</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">NM</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Trebuchet MS; font-size:7pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:1.29em; font-size:7pt; font-family:Trebuchet MS">Leases</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">5</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">5</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">3</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(4</TD>
<TD NOWRAP VALIGN="bottom">)&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(80</TD>
<TD NOWRAP VALIGN="bottom">)&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">100</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">14</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">14</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">100</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Trebuchet MS; font-size:7pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:5.00em; text-indent:1.29em; font-size:7pt; font-family:Trebuchet MS">Total commercial loans and leases</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">34</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">35</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">45</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">26</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">17</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(1</TD>
<TD NOWRAP VALIGN="bottom">)&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(3</TD>
<TD NOWRAP VALIGN="bottom">)&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">17</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">100</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">140</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">52</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">88</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">169</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Trebuchet MS; font-size:7pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:1.29em; font-size:7pt; font-family:Trebuchet MS">Residential mortgages</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">2</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">2</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">2</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">2</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">2</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">8</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">8</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Trebuchet MS; font-size:7pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:1.29em; font-size:7pt; font-family:Trebuchet MS">Home equity loans</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">3</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(1</TD>
<TD NOWRAP VALIGN="bottom">)&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(100</TD>
<TD NOWRAP VALIGN="bottom">)&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(1</TD>
<TD NOWRAP VALIGN="bottom">)&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(100</TD>
<TD NOWRAP VALIGN="bottom">)&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">5</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">6</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(1</TD>
<TD NOWRAP VALIGN="bottom">)&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(17</TD>
<TD NOWRAP VALIGN="bottom">)&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Trebuchet MS; font-size:7pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:1.29em; font-size:7pt; font-family:Trebuchet MS">Home equity lines of credit</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">7</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">7</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">7</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">5</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">6</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">17</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">26</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">26</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Trebuchet MS; font-size:7pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:1.29em; font-size:7pt; font-family:Trebuchet MS">Home equity loans serviced by others</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">2</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">2</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">3</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(1</TD>
<TD NOWRAP VALIGN="bottom">)&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(33</TD>
<TD NOWRAP VALIGN="bottom">)&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">6</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">9</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(3</TD>
<TD NOWRAP VALIGN="bottom">)&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(33</TD>
<TD NOWRAP VALIGN="bottom">)&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Trebuchet MS; font-size:7pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:1.29em; font-size:7pt; font-family:Trebuchet MS">Home equity lines of credit serviced by others</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">2</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">4</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(2</TD>
<TD NOWRAP VALIGN="bottom">)&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(50</TD>
<TD NOWRAP VALIGN="bottom">)&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Trebuchet MS; font-size:7pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:1.29em; font-size:7pt; font-family:Trebuchet MS">Automobile</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">38</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">37</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">30</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">38</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">37</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">3</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">3</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">143</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">158</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(15</TD>
<TD NOWRAP VALIGN="bottom">)&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(9</TD>
<TD NOWRAP VALIGN="bottom">)&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Trebuchet MS; font-size:7pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:1.29em; font-size:7pt; font-family:Trebuchet MS">Education</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">20</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">18</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">18</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">16</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">17</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">2</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">11</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">3</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">18</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">72</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">68</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">4</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">6</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Trebuchet MS; font-size:7pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:1.29em; font-size:7pt; font-family:Trebuchet MS">Credit card</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">21</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">20</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">21</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">19</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">17</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">5</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">4</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">24</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">81</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">68</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">13</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">19</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Trebuchet MS; font-size:7pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:1.29em; font-size:7pt; font-family:Trebuchet MS">Other retail</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">37</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">36</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">29</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">30</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">30</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">3</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">7</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">23</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">132</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">95</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">37</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">39</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Trebuchet MS; font-size:7pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:5.00em; text-indent:1.29em; font-size:7pt; font-family:Trebuchet MS">Total retail loans</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">128</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">124</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">111</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">112</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">114</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">4</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">3</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">14</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">12</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">475</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">442</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">33</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">7</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Trebuchet MS; font-size:7pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:7.00em; text-indent:1.29em; font-size:7pt; font-family:Trebuchet MS"><B>Total gross charge-offs</B></P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">162</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">159</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">156</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">138</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">131</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">3</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">2</TD>
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<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">31</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">24</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">615</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">494</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">121</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">24</TD>
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<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
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<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
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<TD>&nbsp;</TD>
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<TD>&nbsp;</TD>
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<TD>&nbsp;</TD>
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<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
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<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
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<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Trebuchet MS; font-size:7pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:1.29em; font-size:7pt; font-family:Trebuchet MS"><B><U>GROSS RECOVERIES</U></B></P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
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<TD VALIGN="bottom"></TD>
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<TD VALIGN="bottom"></TD>
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<TD VALIGN="bottom"></TD>
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<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
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<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Trebuchet MS; font-size:7pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:1.29em; font-size:7pt; font-family:Trebuchet MS">Commercial</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">7</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">3</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">12</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">2</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">6</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
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<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">4</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">133</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">1</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">17</TD>
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<TD VALIGN="bottom" ALIGN="right">24</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">15</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
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<TD VALIGN="bottom" ALIGN="right">9</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">60</TD>
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<TR STYLE="page-break-inside:avoid ; font-family:Trebuchet MS; font-size:7pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:1.29em; font-size:7pt; font-family:Trebuchet MS">Commercial real estate</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;</TD>
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<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">3</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
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<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(3</TD>
<TD NOWRAP VALIGN="bottom">)&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(100</TD>
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<TD VALIGN="bottom">&nbsp;</TD>
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<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">4</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(4</TD>
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<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(100</TD>
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<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Trebuchet MS; font-size:7pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:1.29em; font-size:7pt; font-family:Trebuchet MS">Leases</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
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<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
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<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;</TD>
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<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Trebuchet MS; font-size:7pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:5.00em; text-indent:1.29em; font-size:7pt; font-family:Trebuchet MS">Total commercial loans and leases</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">7</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">3</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">12</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">2</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">9</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">4</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">133</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(2</TD>
<TD NOWRAP VALIGN="bottom">)&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(22</TD>
<TD NOWRAP VALIGN="bottom">)&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">24</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">19</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">5</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">26</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Trebuchet MS; font-size:7pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:1.29em; font-size:7pt; font-family:Trebuchet MS">Residential mortgages</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">2</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">5</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">9</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">5</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">4</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">80</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Trebuchet MS; font-size:7pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:1.29em; font-size:7pt; font-family:Trebuchet MS">Home equity loans</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">2</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">2</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">2</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">4</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">2</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">10</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">11</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(1</TD>
<TD NOWRAP VALIGN="bottom">)&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(9</TD>
<TD NOWRAP VALIGN="bottom">)&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Trebuchet MS; font-size:7pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:1.29em; font-size:7pt; font-family:Trebuchet MS">Home equity lines of credit</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">3</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">5</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">4</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">9</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">4</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(2</TD>
<TD NOWRAP VALIGN="bottom">)&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(40</TD>
<TD NOWRAP VALIGN="bottom">)&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(1</TD>
<TD NOWRAP VALIGN="bottom">)&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(25</TD>
<TD NOWRAP VALIGN="bottom">)&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">21</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">16</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">5</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">31</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Trebuchet MS; font-size:7pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:1.29em; font-size:7pt; font-family:Trebuchet MS">Home equity loans serviced by others</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">4</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">4</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">3</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">3</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">4</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">14</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">15</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(1</TD>
<TD NOWRAP VALIGN="bottom">)&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(7</TD>
<TD NOWRAP VALIGN="bottom">)&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Trebuchet MS; font-size:7pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:1.29em; font-size:7pt; font-family:Trebuchet MS">Home equity lines of credit serviced by others</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">2</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(1</TD>
<TD NOWRAP VALIGN="bottom">)&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(50</TD>
<TD NOWRAP VALIGN="bottom">)&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">4</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">7</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(3</TD>
<TD NOWRAP VALIGN="bottom">)&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(43</TD>
<TD NOWRAP VALIGN="bottom">)&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Trebuchet MS; font-size:7pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:1.29em; font-size:7pt; font-family:Trebuchet MS">Automobile</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">11</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">15</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">16</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">15</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">15</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(4</TD>
<TD NOWRAP VALIGN="bottom">)&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(27</TD>
<TD NOWRAP VALIGN="bottom">)&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(4</TD>
<TD NOWRAP VALIGN="bottom">)&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(27</TD>
<TD NOWRAP VALIGN="bottom">)&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">57</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">67</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(10</TD>
<TD NOWRAP VALIGN="bottom">)&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(15</TD>
<TD NOWRAP VALIGN="bottom">)&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Trebuchet MS; font-size:7pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:1.29em; font-size:7pt; font-family:Trebuchet MS">Education</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">4</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">4</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">4</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">4</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">4</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">16</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">16</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Trebuchet MS; font-size:7pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:1.29em; font-size:7pt; font-family:Trebuchet MS">Credit card</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">3</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">2</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">2</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">2</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">2</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">50</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">50</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">9</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">8</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">13</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Trebuchet MS; font-size:7pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:1.29em; font-size:7pt; font-family:Trebuchet MS">Other retail</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">4</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">9</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">4</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">4</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">3</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(5</TD>
<TD NOWRAP VALIGN="bottom">)&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(56</TD>
<TD NOWRAP VALIGN="bottom">)&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">33</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">21</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">13</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">8</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">62</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Trebuchet MS; font-size:7pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:5.00em; text-indent:1.29em; font-size:7pt; font-family:Trebuchet MS">Total retail loans</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">33</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">43</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">38</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">47</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">37</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(10</TD>
<TD NOWRAP VALIGN="bottom">)&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(23</TD>
<TD NOWRAP VALIGN="bottom">)&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(4</TD>
<TD NOWRAP VALIGN="bottom">)&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(11</TD>
<TD NOWRAP VALIGN="bottom">)&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">161</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">158</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">3</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">2</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Trebuchet MS; font-size:7pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:7.00em; text-indent:1.29em; font-size:7pt; font-family:Trebuchet MS"><B>Total gross recoveries</B></P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">40</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">46</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">50</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">49</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">46</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">($</TD>
<TD VALIGN="bottom" ALIGN="right">6</TD>
<TD NOWRAP VALIGN="bottom">)&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(13</TD>
<TD NOWRAP VALIGN="bottom">%)&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">($</TD>
<TD VALIGN="bottom" ALIGN="right">6</TD>
<TD NOWRAP VALIGN="bottom">)&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(13</TD>
<TD NOWRAP VALIGN="bottom">%)&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">185</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">177</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">8</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">5</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Trebuchet MS; font-size:7pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:1.29em; font-size:7pt; font-family:Trebuchet MS"><B><U>NET CHARGE-OFFS (RECOVERIES)</U></B></P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Trebuchet MS; font-size:7pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:1.29em; font-size:7pt; font-family:Trebuchet MS">Commercial</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">17</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">17</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">28</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">1</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">11</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">$</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">&#151;</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">6</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">55</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">63</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">33</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">30</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">91</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Trebuchet MS; font-size:7pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:1.29em; font-size:7pt; font-family:Trebuchet MS">Commercial real estate</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">9</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">10</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">20</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(3</TD>
<TD NOWRAP VALIGN="bottom">)&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(1</TD>
<TD NOWRAP VALIGN="bottom">)&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(10</TD>
<TD NOWRAP VALIGN="bottom">)&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">12</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">NM</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">39</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">39</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">100</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Trebuchet MS; font-size:7pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:1.29em; font-size:7pt; font-family:Trebuchet MS">Leases</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">5</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">5</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">3</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(4</TD>
<TD NOWRAP VALIGN="bottom">)&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(80</TD>
<TD NOWRAP VALIGN="bottom">)&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">100</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">14</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">14</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">100</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Trebuchet MS; font-size:7pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:5.00em; text-indent:1.29em; font-size:7pt; font-family:Trebuchet MS">Total commercial loans and leases</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">27</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">32</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">33</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">24</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">8</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(5</TD>
<TD NOWRAP VALIGN="bottom">)&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(16</TD>
<TD NOWRAP VALIGN="bottom">)&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">19</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">238</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">116</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">33</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">83</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">NM</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Trebuchet MS; font-size:7pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:1.29em; font-size:7pt; font-family:Trebuchet MS">Residential mortgages</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(3</TD>
<TD NOWRAP VALIGN="bottom">)&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(1</TD>
<TD NOWRAP VALIGN="bottom">)&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">3</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(4</TD>
<TD NOWRAP VALIGN="bottom">)&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">NM</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Trebuchet MS; font-size:7pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:1.29em; font-size:7pt; font-family:Trebuchet MS">Home equity loans</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(2</TD>
<TD NOWRAP VALIGN="bottom">)&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(1</TD>
<TD NOWRAP VALIGN="bottom">)&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(3</TD>
<TD NOWRAP VALIGN="bottom">)&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(1</TD>
<TD NOWRAP VALIGN="bottom">)&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(1</TD>
<TD NOWRAP VALIGN="bottom">)&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(100</TD>
<TD NOWRAP VALIGN="bottom">)&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(1</TD>
<TD NOWRAP VALIGN="bottom">)&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(100</TD>
<TD NOWRAP VALIGN="bottom">)&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(5</TD>
<TD NOWRAP VALIGN="bottom">)&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(5</TD>
<TD NOWRAP VALIGN="bottom">)&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Trebuchet MS; font-size:7pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:1.29em; font-size:7pt; font-family:Trebuchet MS">Home equity lines of credit</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">4</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">2</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">3</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(4</TD>
<TD NOWRAP VALIGN="bottom">)&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">2</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">2</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">100</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">2</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">100</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">5</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">10</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(5</TD>
<TD NOWRAP VALIGN="bottom">)&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(50</TD>
<TD NOWRAP VALIGN="bottom">)&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Trebuchet MS; font-size:7pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:1.29em; font-size:7pt; font-family:Trebuchet MS">Home equity loans serviced by others</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(2</TD>
<TD NOWRAP VALIGN="bottom">)&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(2</TD>
<TD NOWRAP VALIGN="bottom">)&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(2</TD>
<TD NOWRAP VALIGN="bottom">)&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(2</TD>
<TD NOWRAP VALIGN="bottom">)&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(1</TD>
<TD NOWRAP VALIGN="bottom">)&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(1</TD>
<TD NOWRAP VALIGN="bottom">)&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(100</TD>
<TD NOWRAP VALIGN="bottom">)&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(8</TD>
<TD NOWRAP VALIGN="bottom">)&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(6</TD>
<TD NOWRAP VALIGN="bottom">)&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(2</TD>
<TD NOWRAP VALIGN="bottom">)&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(33</TD>
<TD NOWRAP VALIGN="bottom">)&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Trebuchet MS; font-size:7pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:1.29em; font-size:7pt; font-family:Trebuchet MS">Home equity lines of credit serviced by others</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(1</TD>
<TD NOWRAP VALIGN="bottom">)&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(1</TD>
<TD NOWRAP VALIGN="bottom">)&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(1</TD>
<TD NOWRAP VALIGN="bottom">)&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">100</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(2</TD>
<TD NOWRAP VALIGN="bottom">)&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(3</TD>
<TD NOWRAP VALIGN="bottom">)&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">33</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Trebuchet MS; font-size:7pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:1.29em; font-size:7pt; font-family:Trebuchet MS">Automobile</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">27</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">22</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">14</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">23</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">22</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">5</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">23</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">5</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">23</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">86</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">91</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(5</TD>
<TD NOWRAP VALIGN="bottom">)&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(5</TD>
<TD NOWRAP VALIGN="bottom">)&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Trebuchet MS; font-size:7pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:1.29em; font-size:7pt; font-family:Trebuchet MS">Education</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">16</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">14</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">14</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">12</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">13</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">2</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">14</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">3</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">23</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">56</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">52</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">4</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">8</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Trebuchet MS; font-size:7pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:1.29em; font-size:7pt; font-family:Trebuchet MS">Credit card</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">18</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">18</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">19</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">17</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">15</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">3</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">20</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">72</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">60</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">12</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">20</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Trebuchet MS; font-size:7pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:1.29em; font-size:7pt; font-family:Trebuchet MS">Other retail</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">33</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">27</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">25</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">26</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">27</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">6</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">22</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">6</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">22</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">111</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">82</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">29</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">35</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Trebuchet MS; font-size:7pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:5.00em; text-indent:1.29em; font-size:7pt; font-family:Trebuchet MS">Total retail loans</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">95</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">81</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">73</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">65</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">77</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">14</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">17</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">18</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">23</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">314</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">284</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">30</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">11</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Trebuchet MS; font-size:7pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:7.00em; text-indent:1.29em; font-size:7pt; font-family:Trebuchet MS"><B>Total net charge-offs</B></P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">122</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">113</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">106</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">89</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">85</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">9</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">8</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">37</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">44</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">430</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">317</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">113</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">36</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
</TABLE>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Trebuchet MS" ALIGN="center">18 </P>


<p Style='page-break-before:always'>
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">


 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Trebuchet MS"><B>CREDIT-RELATED INFORMATION, CONTINUED </B></P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Trebuchet MS"><B>(in millions, except rates) </B></P> <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:8pt" ALIGN="center">


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<TD WIDTH="51%"></TD>

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<TD></TD>
<TD></TD>
<TD></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:arial; font-size:8pt">
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="34" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><FONT STYLE="font-family:Trebuchet MS; "><B>QUARTERLY TRENDS</B></FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="14" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><FONT STYLE="font-family:Trebuchet MS; "><B>FULL YEAR</B></FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:arial; font-size:8pt">
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD COLSPAN="2" VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD COLSPAN="2" VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD COLSPAN="2" VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD COLSPAN="2" VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD COLSPAN="2" VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="14" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><FONT STYLE="font-family:Trebuchet MS; "><B>4Q19 Change</B></FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD COLSPAN="2" VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD COLSPAN="2" VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="6" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><FONT STYLE="font-family:Trebuchet MS; "><B>2019&nbsp;Change</B></FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:arial; font-size:8pt">
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><FONT STYLE="font-family:Trebuchet MS; "><B>4Q19</B></FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><FONT STYLE="font-family:Trebuchet MS; "><B>3Q19</B></FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><FONT STYLE="font-family:Trebuchet MS; "><B>2Q19</B></FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><FONT STYLE="font-family:Trebuchet MS; "><B>1Q19</B></FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><FONT STYLE="font-family:Trebuchet MS; "><B>4Q18</B></FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="6" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><FONT STYLE="font-family:Trebuchet MS; "><B>3Q19</B></FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="6" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><FONT STYLE="font-family:Trebuchet MS; "><B>4Q18</B></FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><FONT STYLE="font-family:Trebuchet MS; "><B>2019</B></FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><FONT STYLE="font-family:Trebuchet MS; "><B>2018</B></FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="6" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><FONT STYLE="font-family:Trebuchet MS; "><B>2018</B></FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:arial; font-size:8pt">
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD COLSPAN="2" VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD COLSPAN="2" VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD COLSPAN="2" VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD COLSPAN="2" VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD COLSPAN="2" VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><FONT STYLE="font-family:Trebuchet MS; "><B>$/bps</B></FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><FONT STYLE="font-family:Trebuchet MS; "><B>%</B></FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><FONT STYLE="font-family:Trebuchet MS; "><B>$/bps</B></FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><FONT STYLE="font-family:Trebuchet MS; "><B>%</B></FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD COLSPAN="2" VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD COLSPAN="2" VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><FONT STYLE="font-family:Trebuchet MS; "><B>$/bps</B></FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><FONT STYLE="font-family:Trebuchet MS; "><B>%</B></FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>


<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:arial; font-size:10pt">
<TD VALIGN="top"><FONT STYLE="font-family:Trebuchet MS; font-size:8pt"><B><U>ANNUALIZED NET <FONT STYLE="white-space:nowrap">CHARGE-OFF</FONT> (RECOVERY) RATES</U></B></FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:arial; font-size:8pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:8pt; font-family:Trebuchet MS">Commercial</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">0.16</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">%&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">0.16</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">%&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">0.27</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">%&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">0.01</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">%&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">0.11</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">%&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">&#151;&nbsp;&nbsp;&nbsp;bps</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">5&nbsp;bps</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">0.15</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">%&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">0.08</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">%&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">7&nbsp;bps</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:arial; font-size:8pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:8pt; font-family:Trebuchet MS">Commercial real estate</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">0.26</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">0.31</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">&#151;&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">0.62</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">(0.11</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">)&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">(5)&nbsp;bps</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">37&nbsp;bps</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">0.29</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">&#151;&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">29&nbsp;bps</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:arial; font-size:8pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:8pt; font-family:Trebuchet MS">Leases</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">0.19</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">0.80</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">0.72</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">0.42</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">&#151;&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">(61)&nbsp;bps</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">19&nbsp;bps</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">0.53</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">&#151;&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">53&nbsp;bps</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:arial; font-size:8pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:5.00em; text-indent:-1.00em; font-size:8pt; font-family:Trebuchet MS">Total commercial loans and leases</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">0.19</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">0.22</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">0.23</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">0.17</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">0.05</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">(3)&nbsp;bps</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">14&nbsp;bps</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">0.20</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">0.06</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">14 bps</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:arial; font-size:8pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:8pt; font-family:Trebuchet MS">Residential mortgages</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">0.02</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">0.01</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">0.01</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">(0.07</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">)&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">0.01</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">1&nbsp;bps</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">1&nbsp;bps</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">&#151;&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">0.01</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">(1)&nbsp;bps</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:arial; font-size:8pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:8pt; font-family:Trebuchet MS">Home equity loans</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">(0.67</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">)&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">(0.59</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">)&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">0.33</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">(1.32</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">)&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">(0.21</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">)&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">(8)&nbsp;bps</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">(46)&nbsp;bps</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">(0.57</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">)&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">(0.34</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">)&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">(23)&nbsp;bps</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:arial; font-size:8pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:8pt; font-family:Trebuchet MS">Home equity lines of credit</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">0.13</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">0.08</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">0.07</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">(0.11</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">)&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">0.07</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">5&nbsp;bps</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">6&nbsp;bps</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">0.04</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">0.08</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">(4)&nbsp;bps</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:arial; font-size:8pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:8pt; font-family:Trebuchet MS">Home equity loans serviced by others</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">(2.34</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">)&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">(2.91</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">)&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">(2.26</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">)&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">(1.70</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">)&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">(1.45</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">)&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">57&nbsp;bps</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">(89)&nbsp;bps</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">(2.28</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">)&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">(1.38</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">)&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">(90)&nbsp;bps</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:arial; font-size:8pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:8pt; font-family:Trebuchet MS">Home equity lines of credit serviced by others</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">0.27</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">(1.37</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">)&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">(3.07</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">)&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">(2.52</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">)&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">(3.87</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">)&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">164&nbsp;bps</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">414&nbsp;bps</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">(1.78</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">)&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">(2.81</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">)&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">103&nbsp;bps</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:arial; font-size:8pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:8pt; font-family:Trebuchet MS">Automobile</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">0.85</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">0.74</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">0.49</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">0.77</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">0.71</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">11&nbsp;bps</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">14&nbsp;bps</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">0.71</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">0.73</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">(2)&nbsp;bps</FONT></TD>
<TD NOWRAP VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:arial; font-size:8pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:8pt; font-family:Trebuchet MS">Education</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">0.65</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">0.58</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">0.62</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">0.51</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">0.59</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">7&nbsp;bps</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">6&nbsp;bps</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">0.59</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">0.61</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">(2)&nbsp;bps</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:arial; font-size:8pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:8pt; font-family:Trebuchet MS">Credit card</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">3.35</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">3.35</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">3.71</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">3.33</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">3.09</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">&#151;&nbsp;&nbsp;&nbsp;bps</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">26&nbsp;bps</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">3.43</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">3.18</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">25&nbsp;bps</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:arial; font-size:8pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:8pt; font-family:Trebuchet MS">Other retail</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">2.96</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">2.93</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">2.78</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">2.91</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">3.07</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">3&nbsp;bps</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">(11)&nbsp;bps</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">2.90</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">2.63</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">27&nbsp;bps</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:arial; font-size:8pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:5.00em; text-indent:-1.00em; font-size:8pt; font-family:Trebuchet MS">Total retail loans</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">0.61</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">0.53</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">0.49</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">0.44</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">0.51</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">8&nbsp;bps</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">10&nbsp;bps</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">0.52</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">0.48</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">4&nbsp;bps</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:arial; font-size:8pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:7.00em; text-indent:-1.00em; font-size:8pt; font-family:Trebuchet MS"><B>Total loans and leases</B></P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; "><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; "><B>0.41</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; "><B>%&nbsp;</B></FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; "><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; "><B>0.38</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; "><B>%&nbsp;</B></FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; "><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; "><B>0.36</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; "><B>%&nbsp;</B></FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; "><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; "><B>0.31</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; "><B>%&nbsp;</B></FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; "><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; "><B>0.29</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; "><B>%&nbsp;</B></FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">3&nbsp;bps</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">12&nbsp;bps</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; "><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; "><B>0.36</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; "><B>%&nbsp;</B></FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; "><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; "><B>0.28</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; "><B>%&nbsp;</B></FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">8&nbsp;bps</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:arial; font-size:8pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:8pt; font-family:Trebuchet MS"><B><U>Memo: Average loans</U></B></P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:arial; font-size:8pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:8pt; font-family:Trebuchet MS">Commercial</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">42,012</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">41,476</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">41,755</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">41,562</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">40,472</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">536</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">1</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">%&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">1,540</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">4</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">%&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">41,702</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">39,363</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">2,339</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">6</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">%&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:arial; font-size:8pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:8pt; font-family:Trebuchet MS">Commercial real estate</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">13,103</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">12,892</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">13,379</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">13,272</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">12,900</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">211</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">2</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">203</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">2</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">13,160</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">12,299</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">861</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">7</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:arial; font-size:8pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:8pt; font-family:Trebuchet MS">Leases</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">2,546</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">2,615</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">2,745</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">2,873</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">2,938</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">(69</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">)&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">(3</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">)&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">(392</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">)&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">(13</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">)&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">2,694</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">3,038</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">(344</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">)&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">(11</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">)&nbsp;</FONT></TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:arial; font-size:8pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:5.00em; text-indent:-1.00em; font-size:8pt; font-family:Trebuchet MS">Total commercial loans and leases</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">57,661</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">56,983</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">57,879</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">57,707</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">56,310</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">678</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">1</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">1,351</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">2</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">57,556</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">54,700</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">2,856</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">5</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:arial; font-size:8pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:8pt; font-family:Trebuchet MS">Residential mortgages</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">19,495</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">19,405</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">19,232</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">19,094</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">18,713</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">90</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">&#151;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">782</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">4</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">19,308</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">17,883</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">1,425</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">8</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:arial; font-size:8pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:8pt; font-family:Trebuchet MS">Home equity loans</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">843</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">906</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">971</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">1,039</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">1,101</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">(63</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">)&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">(7</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">)&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">(258</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">)&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">(23</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">)&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">939</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">1,215</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">(276</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">)&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">(23</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">)&nbsp;</FONT></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:arial; font-size:8pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:8pt; font-family:Trebuchet MS">Home equity lines of credit</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">12,045</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">12,182</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">12,332</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">12,552</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">12,790</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">(137</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">)&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">(1</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">)&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">(745</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">)&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">(6</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">)&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">12,276</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">13,043</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">(767</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">)&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">(6</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">)&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:arial; font-size:8pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:8pt; font-family:Trebuchet MS">Home equity loans serviced by others</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">301</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">330</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">359</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">385</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">411</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">(29</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">)&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">(9</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">)&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">(110</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">)&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">(27</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">)&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">343</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">463</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">(120</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">)&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">(26</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">)&nbsp;</FONT></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:arial; font-size:8pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:8pt; font-family:Trebuchet MS">Home equity lines of credit serviced by others</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">76</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">83</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">92</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">99</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">108</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">(7</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">)&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">(8</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">)&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">(32</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">)&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">(30</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">)&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">87</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">124</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">(37</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">)&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">(30</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">)&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:arial; font-size:8pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:8pt; font-family:Trebuchet MS">Automobile</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">12,099</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">12,036</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">11,984</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">12,070</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">12,179</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">63</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">1</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">(80</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">)&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">(1</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">)&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">12,047</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">12,555</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">(508</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">)&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">(4</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">)&nbsp;</FONT></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:arial; font-size:8pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:8pt; font-family:Trebuchet MS">Education</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">9,888</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">9,459</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">9,235</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">9,069</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">8,801</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">429</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">5</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">1,087</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">12</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">9,415</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">8,486</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">929</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">11</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:arial; font-size:8pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:8pt; font-family:Trebuchet MS">Credit card</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">2,188</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">2,103</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">2,041</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">1,998</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">1,973</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">85</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">4</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">215</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">11</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">2,083</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">1,891</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">192</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">10</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:arial; font-size:8pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:8pt; font-family:Trebuchet MS">Other retail</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">4,309</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">3,770</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">3,658</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">3,636</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">3,507</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">539</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">14</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">802</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">23</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">3,846</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">3,113</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">733</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">24</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:arial; font-size:8pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:5.00em; text-indent:-1.00em; font-size:8pt; font-family:Trebuchet MS">Total retail loans</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">61,244</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">60,274</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">59,904</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">59,942</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">59,583</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">970</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">2</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">1,661</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">3</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">60,344</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">58,773</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">1,571</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">3</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:arial; font-size:8pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:7.00em; text-indent:-1.00em; font-size:8pt; font-family:Trebuchet MS"><B>Total loans and leases</B></P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; "><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; "><B>118,905</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; "><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; "><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; "><B>117,257</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; "><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; "><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; "><B>117,783</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; "><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; "><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; "><B>117,649</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; "><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; "><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; "><B>115,893</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; "><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">1,648</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">1</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">%&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">3,012</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">3</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">%&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; "><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; "><B>117,900</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; "><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; "><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; "><B>113,473</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; "><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">4,427</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">4</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">%&nbsp;</FONT></TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
</TABLE>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Trebuchet MS" ALIGN="center">19 </P>


<p Style='page-break-before:always'>
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">


 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Trebuchet MS"><B>CREDIT-RELATED INFORMATION, CONTINUED </B></P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Trebuchet MS"><B>(in millions) </B></P> <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:8pt" ALIGN="center">


<TR>

<TD WIDTH="47%"></TD>

<TD VALIGN="bottom"></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>

<TD VALIGN="bottom"></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>

<TD VALIGN="bottom"></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>

<TD VALIGN="bottom"></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>

<TD VALIGN="bottom"></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>

<TD VALIGN="bottom"></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>

<TD VALIGN="bottom"></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>

<TD VALIGN="bottom"></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>

<TD VALIGN="bottom"></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>

<TD VALIGN="bottom"></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>

<TD VALIGN="bottom"></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>

<TD VALIGN="bottom"></TD>
<TD></TD>
<TD></TD>
<TD VALIGN="bottom" WIDTH="1%"></TD>

<TD VALIGN="bottom"></TD>
<TD></TD>
<TD></TD>
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<TD VALIGN="bottom" COLSPAN="34" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><FONT STYLE="font-family:Trebuchet MS; "><B>QUARTERLY TRENDS</B></FONT></TD>
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<TD VALIGN="bottom" COLSPAN="14" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><FONT STYLE="font-family:Trebuchet MS; "><B>FULL YEAR</B></FONT></TD>
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<TD VALIGN="bottom" COLSPAN="14" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><FONT STYLE="font-family:Trebuchet MS; "><B>4Q19 Change</B></FONT></TD>
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<TD VALIGN="bottom" COLSPAN="6" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><FONT STYLE="font-family:Trebuchet MS; "><B>2019&nbsp;Change</B></FONT></TD>
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<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><FONT STYLE="font-family:Trebuchet MS; "><B>4Q19</B></FONT></TD>
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<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><FONT STYLE="font-family:Trebuchet MS; "><B>3Q19</B></FONT></TD>
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<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><FONT STYLE="font-family:Trebuchet MS; "><B>2Q19</B></FONT></TD>
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<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><FONT STYLE="font-family:Trebuchet MS; "><B>1Q19</B></FONT></TD>
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<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><FONT STYLE="font-family:Trebuchet MS; "><B>4Q18</B></FONT></TD>
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<TD VALIGN="bottom" COLSPAN="6" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><FONT STYLE="font-family:Trebuchet MS; "><B>3Q19</B></FONT></TD>
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<TD VALIGN="bottom" COLSPAN="6" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><FONT STYLE="font-family:Trebuchet MS; "><B>4Q18</B></FONT></TD>
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<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><FONT STYLE="font-family:Trebuchet MS; "><B>2019</B></FONT></TD>
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<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><FONT STYLE="font-family:Trebuchet MS; "><B>2018</B></FONT></TD>
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<TD VALIGN="bottom" COLSPAN="6" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><FONT STYLE="font-family:Trebuchet MS; "><B>2018</B></FONT></TD>
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<TD VALIGN="bottom" COLSPAN="2" NOWRAP ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><FONT STYLE="font-family:Trebuchet MS; "><B>$</B></FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
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<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><FONT STYLE="font-family:Trebuchet MS; "><B>%</B></FONT></TD>
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<TD VALIGN="bottom" COLSPAN="2" NOWRAP ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><FONT STYLE="font-family:Trebuchet MS; "><B>$</B></FONT></TD>
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<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><FONT STYLE="font-family:Trebuchet MS; "><B>%</B></FONT></TD>
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<TD VALIGN="bottom" COLSPAN="2" NOWRAP ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><FONT STYLE="font-family:Trebuchet MS; "><B>$</B></FONT></TD>
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<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><FONT STYLE="font-family:Trebuchet MS; "><B>%</B></FONT></TD>
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<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:7pt; font-family:Trebuchet MS"><B><A NAME="ex99_3866808_11"></A><U>SUMMARY OF CHANGES IN THE COMPONENTS OF THE ALLOWANCE FOR CREDIT
LOSSES</U></B></P></TD>
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<TR STYLE="page-break-inside:avoid ; font-family:arial; font-size:8pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:8pt; font-family:Trebuchet MS"><B>Allowance for loan and lease losses - beginning</B></P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">1,263</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">1,227</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">1,245</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">1,242</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">1,242</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">36</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">3</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">%&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">21</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">2</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">%&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">1,242</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">1,236</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">6</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">&#151;&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">%&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:arial; font-size:8pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:8pt; font-family:Trebuchet MS">Charge-offs:</P></TD>
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<TR STYLE="page-break-inside:avoid ; font-family:arial; font-size:8pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:8pt; font-family:Trebuchet MS">Commercial</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">34</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">35</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">45</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">26</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">17</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">(1</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">)&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">(3</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">)&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">17</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">100</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">140</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">52</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">88</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">169</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:arial; font-size:8pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:8pt; font-family:Trebuchet MS">Retail</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">128</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">124</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">111</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">112</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">114</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">4</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">3</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">14</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">12</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">475</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">442</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">33</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">7</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:arial; font-size:8pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:5.00em; text-indent:-1.00em; font-size:8pt; font-family:Trebuchet MS">Total charge-offs</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">162</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">159</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">156</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">138</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">131</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">3</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">2</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">31</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">24</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">615</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">494</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">121</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">24</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:arial; font-size:8pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:8pt; font-family:Trebuchet MS">Recoveries:</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:arial; font-size:8pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:8pt; font-family:Trebuchet MS">Commercial</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">7</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">3</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">12</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">2</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">9</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">4</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">133</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">(2</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">)&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">(22</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">)&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">24</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">19</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">5</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">26</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:arial; font-size:8pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:8pt; font-family:Trebuchet MS">Retail</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">33</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">43</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">38</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">47</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">37</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">(10</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">)&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">(23</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">)&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">(4</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">)&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">(11</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">)&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">161</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">158</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">3</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">2</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:arial; font-size:8pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:5.00em; text-indent:-1.00em; font-size:8pt; font-family:Trebuchet MS">Total recoveries</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">40</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">46</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">50</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">49</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">46</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">(6</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">)&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">(13</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">)&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">(6</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">)&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">(13</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">)&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">185</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">177</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">8</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">5</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:arial; font-size:8pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:7.00em; text-indent:-1.00em; font-size:8pt; font-family:Trebuchet MS">Net charge-offs</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">122</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">113</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">106</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">89</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">85</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">9</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">8</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">37</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">44</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">430</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">317</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">113</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">36</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:arial; font-size:8pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:8pt; font-family:Trebuchet MS">Provision for loan and lease losses:</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:arial; font-size:8pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:8pt; font-family:Trebuchet MS">Commercial</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">(11</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">)&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">64</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">22</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">25</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">(9</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">)&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">(75</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">)&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">NM</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">(2</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">)&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">(22</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">)&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">100</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">38</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">62</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">163</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:arial; font-size:8pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:8pt; font-family:Trebuchet MS">Retail</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">122</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">85</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">66</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">67</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">94</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">37</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">44</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">28</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">30</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">340</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">285</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">55</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">19</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:arial; font-size:8pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:5.00em; text-indent:-1.00em; font-size:8pt; font-family:Trebuchet MS">Total provision for loan and lease losses</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">111</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">149</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">88</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">92</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">85</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">(38</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">)&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">(26</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">)&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">26</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">31</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">440</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">323</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">117</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">36</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:arial; font-size:8pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:8pt; font-family:Trebuchet MS"><B>Allowance for loan and lease losses - ending</B></P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">1,252</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">1,263</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">1,227</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">1,245</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">1,242</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">($</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">11</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">)&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">(1</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">%)&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">10</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">1</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">%&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">1,252</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">1,242</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">10</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">1</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">%&nbsp;</FONT></TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:arial; font-size:8pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:8pt; font-family:Trebuchet MS"><B>Reserve for unfunded lending commitments - beginning</B></P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">45</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">93</FONT></TD>
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<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">3</FONT></TD>
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<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">3</FONT></TD>
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<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:8pt; font-family:Trebuchet MS">Provision for unfunded lending commitments</P></TD>
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<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">(1</FONT></TD>
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<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">(48</FONT></TD>
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<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">9</FONT></TD>
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<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">(7</FONT></TD>
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<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">&#151;&nbsp;&nbsp;</FONT></TD>
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<TD VALIGN="bottom">&nbsp;</TD>
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<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">47</FONT></TD>
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<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">98</FONT></TD>
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<TD VALIGN="bottom">&nbsp;</TD>
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<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">(1</FONT></TD>
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<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">(100</FONT></TD>
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<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">3</FONT></TD>
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<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">(50</FONT></TD>
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<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:arial; font-size:8pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:8pt; font-family:Trebuchet MS"><B>Reserve for unfunded lending commitments - ending</B></P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">44</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">45</FONT></TD>
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<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">93</FONT></TD>
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<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">84</FONT></TD>
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<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">91</FONT></TD>
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<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">1</FONT></TD>
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<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">(2</FONT></TD>
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<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">47</FONT></TD>
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<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">44</FONT></TD>
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<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">91</FONT></TD>
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<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">(52</FONT></TD>
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<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
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<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:8pt; font-family:Trebuchet MS"><B>Total allowance for credit losses - ending</B></P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">1,296</FONT></TD>
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<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">1,308</FONT></TD>
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<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">1,320</FONT></TD>
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<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">1,329</FONT></TD>
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<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">1,333</FONT></TD>
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<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">($</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">12</FONT></TD>
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<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">37</FONT></TD>
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<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">(3</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">%)&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">1,296</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">1,333</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">($</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">37</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">)&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">(3</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">%)&nbsp;</FONT></TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:arial; font-size:8pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:8pt; font-family:Trebuchet MS"><B>Memo: Total allowance for credit losses by product</B></P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:arial; font-size:8pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:8pt; font-family:Trebuchet MS">Commercial</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">718</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">757</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">773</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">775</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">781</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">($</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">39</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">)&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">(5</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">%)&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">($</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">63</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">)&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">(8</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">%)&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">718</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">781</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">($</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">63</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">)&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">(8</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">%)&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:arial; font-size:8pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:8pt; font-family:Trebuchet MS">Retail</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">578</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">551</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">547</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">554</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">552</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">27</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">5</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">26</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">5</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">578</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">552</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">26</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">5</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:arial; font-size:8pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:8pt; font-family:Trebuchet MS">Total allowance for credit losses</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">1,296</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">1,308</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">1,320</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">1,329</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">1,333</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">($</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">12</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">)&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">(1</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">%)&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">($</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">37</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">)&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">(3</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">%)&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">1,296</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">1,333</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">($</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">37</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">)&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">(3</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">%)&nbsp;</FONT></TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
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<TD>&nbsp;</TD>
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<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
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<TD>&nbsp;</TD>
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<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
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<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
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<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
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<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
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</TABLE>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Trebuchet MS" ALIGN="center">20 </P>


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 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Trebuchet MS"><B><A NAME="ex99_3866808_12"></A>CAPITAL AND RATIOS </B></P>
<P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Trebuchet MS"><B>(in millions, except ratio data) </B></P> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
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<TD VALIGN="bottom" COLSPAN="34" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><FONT STYLE="font-family:Trebuchet MS; "><B>AS OF</B></FONT></TD>
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<TD VALIGN="bottom" COLSPAN="14" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><FONT STYLE="font-family:Trebuchet MS; "><B>FULL YEAR</B></FONT></TD>
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<TR STYLE="page-break-inside:avoid ; font-family:arial; font-size:8pt">
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<TD VALIGN="bottom" COLSPAN="14" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><FONT STYLE="font-family:Trebuchet MS; "><B>DECEMBER&nbsp;31,&nbsp;2019&nbsp;CHANGE</B></FONT></TD>
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<TD COLSPAN="2" VALIGN="bottom">&nbsp;</TD>
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<TD COLSPAN="2" VALIGN="bottom">&nbsp;</TD>
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<TD VALIGN="bottom" COLSPAN="6" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><FONT STYLE="font-family:Trebuchet MS; "><B>2019&nbsp;Change</B></FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:arial; font-size:8pt">
<TD VALIGN="bottom">&nbsp;</TD>
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<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><FONT STYLE="font-family:Trebuchet MS; "><B>Dec 31,<BR>2019</B></FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
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<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><FONT STYLE="font-family:Trebuchet MS; "><B>Sept&nbsp;30,<BR>2019</B></FONT></TD>
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<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><FONT STYLE="font-family:Trebuchet MS; "><B>June&nbsp;30,<BR>2019</B></FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><FONT STYLE="font-family:Trebuchet MS; "><B>Mar&nbsp;31,<BR>2019</B></FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><FONT STYLE="font-family:Trebuchet MS; "><B>Dec&nbsp;31,<BR>2018</B></FONT></TD>
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<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="6" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><FONT STYLE="font-family:Trebuchet MS; "><B>Sept&nbsp;30,<BR>2019</B></FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="6" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><FONT STYLE="font-family:Trebuchet MS; "><B>Dec&nbsp;31,&nbsp;2018</B></FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><FONT STYLE="font-family:Trebuchet MS; "><B>2019</B></FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><FONT STYLE="font-family:Trebuchet MS; "><B>2018</B></FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="6" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><FONT STYLE="font-family:Trebuchet MS; "><B>2018</B></FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:arial; font-size:8pt">
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD COLSPAN="2" VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
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<TD COLSPAN="2" VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD COLSPAN="2" VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD COLSPAN="2" VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD COLSPAN="2" VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" NOWRAP ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><FONT STYLE="font-family:Trebuchet MS; "><B>$</B></FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><FONT STYLE="font-family:Trebuchet MS; "><B>%</B></FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" NOWRAP ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><FONT STYLE="font-family:Trebuchet MS; "><B>$</B></FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><FONT STYLE="font-family:Trebuchet MS; "><B>%</B></FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD COLSPAN="2" VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD COLSPAN="2" VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" NOWRAP ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><FONT STYLE="font-family:Trebuchet MS; "><B>$</B></FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><FONT STYLE="font-family:Trebuchet MS; "><B>%</B></FONT></TD>
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<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:arial; font-size:8pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:8pt; font-family:Trebuchet MS"><B><U>CAPITAL RATIOS AND COMPONENTS (PRELIMINARY)</U></B></P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:arial; font-size:8pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:8pt; font-family:Trebuchet MS">CET1 capital</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">14,304</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">14,416</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">14,629</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">14,442</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">14,485</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">($</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">112</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">)&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">(1</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">%)&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">($</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">181</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">)&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">(1</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">%)&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:arial; font-size:8pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:8pt; font-family:Trebuchet MS">Tier 1 capital</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">15,874</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">15,549</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">15,762</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">15,574</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">15,325</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">325</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">2</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">549</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">4</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:arial; font-size:8pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:8pt; font-family:Trebuchet MS">Total capital</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">18,542</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">18,237</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">18,582</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">18,403</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">18,157</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">305</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">2</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">385</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">2</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:arial; font-size:8pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:8pt; font-family:Trebuchet MS">Risk-weighted assets</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">142,915</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">140,136</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">138,879</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">137,246</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">136,202</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">2,779</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">2</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">6,713</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">5</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:arial; font-size:8pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:8pt; font-family:Trebuchet MS">Adjusted average assets<SUP STYLE="font-size:85%; vertical-align:top">1 </SUP></P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">158,782</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">156,355</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">155,956</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">155,171</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">153,026</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">2,427</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">2</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">5,756</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">4</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:arial; font-size:8pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:8pt; font-family:Trebuchet MS">CET1 capital ratio</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">10.0</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">%&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">10.3</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">%&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">10.5</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">%&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">10.5</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">%&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">10.6</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">%&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:arial; font-size:8pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:8pt; font-family:Trebuchet MS">Tier 1 capital ratio</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">11.1</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">11.1</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">11.3</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">11.3</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">11.3</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:arial; font-size:8pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:8pt; font-family:Trebuchet MS">Total capital ratio</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">13.0</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">13.0</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">13.4</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">13.4</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">13.3</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:arial; font-size:8pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:8pt; font-family:Trebuchet MS">Tier 1 leverage ratio</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">10.0</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">9.9</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">10.1</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">10.0</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">10.0</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:arial; font-size:8pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:8pt; font-family:Trebuchet MS"><B><U>TANGIBLE COMMON EQUITY <FONT STYLE="white-space:nowrap">(PERIOD-END)</FONT></U></B></P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:arial; font-size:8pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:8pt; font-family:Trebuchet MS">Common stockholders&#146; equity</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">20,631</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">20,718</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">20,884</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">20,399</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">19,977</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">($</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">87</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">)&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">&#151;&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">%&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">654</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">3</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">%&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">20,631</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">19,977</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">654</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">3</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">%&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:arial; font-size:8pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:8pt; font-family:Trebuchet MS">Less: Goodwill</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">7,044</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">7,044</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">7,040</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">7,040</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">6,923</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">&#151;&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">&#151;&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">121</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">2</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">7,044</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">6,923</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">121</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">2</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:arial; font-size:8pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:8pt; font-family:Trebuchet MS">Less: Other intangible assets</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">68</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">71</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">74</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">80</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">31</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">(3</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">)&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">(4</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">)&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">37</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">119</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">68</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">31</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">37</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">119</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:arial; font-size:8pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:8pt; font-family:Trebuchet MS">Add: Deferred tax liabilities<SUP STYLE="font-size:85%; vertical-align:top">2 </SUP></P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">374</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">373</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">371</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">370</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">366</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">1</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">&#151;&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">8</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">2</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">374</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">366</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">8</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">2</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:arial; font-size:8pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:5.00em; text-indent:-1.00em; font-size:8pt; font-family:Trebuchet MS"><B>Total tangible common equity</B></P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">13,893</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">13,976</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">14,141</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">13,649</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">13,389</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">($</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">83</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">)&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">(1</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">%)&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">504</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">4</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">%&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">13,893</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">13,389</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">504</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">4</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">%&nbsp;</FONT></TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:arial; font-size:8pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:8pt; font-family:Trebuchet MS"><B><U>TANGIBLE COMMON EQUITY (AVERAGE)</U></B></P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:arial; font-size:8pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:8pt; font-family:Trebuchet MS">Common stockholders&#146; equity</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">20,400</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">20,533</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">20,420</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">19,942</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">19,521</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">($</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">133</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">)&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">(1</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">%)&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">879</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">5</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">%&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">20,325</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">19,645</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">680</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">3</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">%&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:arial; font-size:8pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:8pt; font-family:Trebuchet MS">Less: Goodwill</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">7,044</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">7,044</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">7,040</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">7,018</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">6,946</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">&#151;&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">&#151;&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">98</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">1</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">7,036</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">6,912</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">124</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">2</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:arial; font-size:8pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:8pt; font-family:Trebuchet MS">Less: Other intangible assets</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">69</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">73</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">80</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">59</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">32</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">(4</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">)&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">(5</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">)&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">37</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">116</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">71</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">14</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">57</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">NM</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:arial; font-size:8pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:8pt; font-family:Trebuchet MS">Add: Deferred tax liabilities<SUP STYLE="font-size:85%; vertical-align:top">2 </SUP></P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">373</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">372</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">370</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">368</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">364</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">1</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">&#151;&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">9</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">2</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">371</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">359</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">12</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">3</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:arial; font-size:8pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:5.00em; text-indent:-1.00em; font-size:8pt; font-family:Trebuchet MS"><B>Total tangible common equity</B></P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">13,660</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">13,788</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">13,670</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">13,233</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">12,907</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">($</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">128</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">)&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">(1</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">%)&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">753</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">6</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">%&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">13,589</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">13,078</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">511</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">4</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">%&nbsp;</FONT></TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:arial; font-size:8pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:8pt; font-family:Trebuchet MS"><B><U>INTANGIBLE ASSETS <FONT STYLE="white-space:nowrap">(PERIOD-END)</FONT></U></B></P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:arial; font-size:8pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:8pt; font-family:Trebuchet MS">Goodwill</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">7,044</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">7,044</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">7,040</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">7,040</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">6,923</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">&#151;&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">&#151;&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">%&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">121</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">2</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">%&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">7,044</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">6,923</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">121</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">2</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">%&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:arial; font-size:8pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:8pt; font-family:Trebuchet MS">Other intangible assets</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">68</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">71</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">74</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">80</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">31</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">(3</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">)&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">(4</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">)&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">37</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">119</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">68</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">31</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">37</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">119</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:arial; font-size:8pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:5.00em; text-indent:-1.00em; font-size:8pt; font-family:Trebuchet MS"><B>Total intangible assets</B></P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">7,112</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">7,115</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">7,114</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">7,120</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">6,954</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">($</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">3</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">)&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">&#151;&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">%&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">158</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">2</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">%&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">7,112</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">6,954</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">158</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">2</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">%&nbsp;</FONT></TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR></TABLE> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Trebuchet MS; font-size:8pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="2%" VALIGN="top" ALIGN="left"><SUP STYLE="font-size:85%; vertical-align:top">1</SUP></TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:8pt; font-family:Trebuchet MS; " ALIGN="left">Adjusted average assets include quarterly average assets, less deductions for disallowed goodwill and other
intangible assets, net of deferred tax liabilities related to tax deductible goodwill, and the accumulated other comprehensive income impact related to the adoption of post-retirement benefit plan guidance under GAAP. </P></TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Trebuchet MS; font-size:8pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="2%" VALIGN="top" ALIGN="left"><SUP STYLE="font-size:85%; vertical-align:top">2</SUP></TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:8pt; font-family:Trebuchet MS; " ALIGN="left">Deferred tax liabilities relate to <FONT STYLE="white-space:nowrap">tax-deductible</FONT> goodwill, which is netted
against goodwill when calculating tangible common equity. </P></TD></TR></TABLE>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Trebuchet MS" ALIGN="center">21 </P>


<p Style='page-break-before:always'>
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">

 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Trebuchet MS"><B><A NAME="ex99_3866808_13"></A>KEY PERFORMANCE METRICS, <FONT STYLE="white-space:nowrap">NON-GAAP</FONT> FINANCIAL
MEASURES AND RECONCILIATIONS </B></P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Trebuchet MS"><B>(in millions, except share, <FONT STYLE="white-space:nowrap">per-share</FONT> and ratio data) </B></P>
<P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:10pt" ALIGN="center">


<TR>

<TD WIDTH="100%"></TD></TR>


<TR STYLE="page-break-inside:avoid ; font-family:arial; font-size:10pt">
<TD VALIGN="top"><FONT STYLE="font-family:Trebuchet MS; "><U>Key Performance Metrics:</U></FONT></TD></TR>
</TABLE> <P STYLE="margin-top:6pt; margin-bottom:0pt; font-size:10pt; font-family:Trebuchet MS">Our Management uses certain key performance metrics (KPMs) to gauge our progress against strategic and operational goals, as well
as to compare our performance against peers. The KPMs are referred to in our quarterly earnings materials and other financial reports filed with the Securities and Exchange Commission. The KPMs include: </P>
<P STYLE="font-size:6pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
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<TD WIDTH="3%" VALIGN="top" ALIGN="left">&#149;</TD>
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<TD ALIGN="left" VALIGN="top"> <P ALIGN="left" STYLE=" margin-top:0pt ; margin-bottom:0pt; font-family:Trebuchet MS; font-size:10pt">Return on average tangible common equity (ROTCE); </P></TD></TR></TABLE>
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<TD WIDTH="3%" VALIGN="top" ALIGN="left">&#149;</TD>
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<TD ALIGN="left" VALIGN="top"> <P ALIGN="left" STYLE=" margin-top:0pt ; margin-bottom:0pt; font-family:Trebuchet MS; font-size:10pt">Efficiency ratio; </P></TD></TR></TABLE>
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<TR style = "page-break-inside:avoid">
<TD WIDTH="3%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left" STYLE=" margin-top:0pt ; margin-bottom:0pt; font-family:Trebuchet MS; font-size:10pt">Operating leverage; and </P></TD></TR></TABLE>
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<TD WIDTH="3%" VALIGN="top" ALIGN="left">&#149;</TD>
<TD WIDTH="1%" VALIGN="top">&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"> <P ALIGN="left" STYLE=" margin-top:0pt ; margin-bottom:0pt; font-family:Trebuchet MS; font-size:10pt">Common equity tier 1 capital ratio. </P></TD></TR></TABLE>
<P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Trebuchet MS">Established targets for the KPMs are based on Management-reporting results which are currently referred to by the Company as &#147;Underlying&#148; results. We
believe that Underlying results, which exclude notable items, provide the best representation of our underlying financial progress toward the KPMs as the results exclude items that our Management does not consider indicative of our <FONT
STYLE="white-space:nowrap">on-going</FONT> financial performance. KPMs that reflect Underlying results are considered <FONT STYLE="white-space:nowrap">non-GAAP</FONT> financial measures. </P>
<P STYLE="margin-top:18pt; margin-bottom:0pt; font-size:10pt; font-family:Trebuchet MS"><U><FONT STYLE="white-space:nowrap">Non-GAAP</FONT> Financial Measures </U></P>
<P STYLE="margin-top:6pt; margin-bottom:0pt; font-size:10pt; font-family:Trebuchet MS">This document contains <FONT STYLE="white-space:nowrap">non-GAAP</FONT> financial measures denoted as Underlying results. In historical periods, these results may
have been referred to as Adjusted or Adjusted/Underlying results. Underlying results for any given reporting period exclude certain items that may occur in that period which Management does not consider indicative of the Company&#146;s <FONT
STYLE="white-space:nowrap">on-going</FONT> financial performance. We believe these <FONT STYLE="white-space:nowrap">non-GAAP</FONT> financial measures provide useful information to investors because they are used by our Management to evaluate our
operating performance and make <FONT STYLE="white-space:nowrap"><FONT STYLE="white-space:nowrap">day-to-day</FONT></FONT> operating decisions. In addition, we believe our Underlying results in any given reporting period reflect our <FONT
STYLE="white-space:nowrap">on-going</FONT> financial performance in that period and, accordingly, are useful to consider in addition to our GAAP financial results. We further believe the presentation of Underlying results increases comparability of <FONT
STYLE="white-space:nowrap"><FONT STYLE="white-space:nowrap">period-to-period</FONT></FONT> results. The following tables present reconciliations of our <FONT STYLE="white-space:nowrap">non-GAAP</FONT> measures to the most directly comparable GAAP
financial measures. </P> <P STYLE="margin-top:12pt; margin-bottom:0pt; font-size:10pt; font-family:Trebuchet MS">Other companies may use similarly titled <FONT STYLE="white-space:nowrap">non-GAAP</FONT> financial measures that are calculated
differently from the way we calculate such measures. Accordingly, our <FONT STYLE="white-space:nowrap">non-GAAP</FONT> financial measures may not be comparable to similar measures used by such companies. We caution investors not to place undue
reliance on such <FONT STYLE="white-space:nowrap">non-GAAP</FONT> financial measures, but to consider them with the most directly comparable GAAP measures. <FONT STYLE="white-space:nowrap">Non-GAAP</FONT> financial measures have limitations as
analytical tools and should not be considered in isolation or as a substitute for our results reported under GAAP. </P>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Trebuchet MS" ALIGN="center">22 </P>


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 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Trebuchet MS"><B>KEY PERFORMANCE METRICS, <FONT STYLE="white-space:nowrap">NON-GAAP</FONT> FINANCIAL MEASURES AND
RECONCILIATIONS, CONTINUED </B></P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Trebuchet MS"><B>(in millions, except share, <FONT STYLE="white-space:nowrap">per-share</FONT> and ratio data) </B></P>
<p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P>

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<TD VALIGN="bottom" COLSPAN="34" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><FONT STYLE="font-family:Trebuchet MS; "><B>QUARTERLY TRENDS</B></FONT></TD>
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<TD VALIGN="bottom" COLSPAN="14" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><FONT STYLE="font-family:Trebuchet MS; "><B>FULL YEAR</B></FONT></TD>
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<TD VALIGN="bottom" COLSPAN="14" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><FONT STYLE="font-family:Trebuchet MS; "><B>4Q19 Change</B></FONT></TD>
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<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:arial; font-size:8pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:8pt; font-family:Trebuchet MS"><B>Noninterest income, Underlying:</B></P></TD>
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<TR STYLE="page-break-inside:avoid ; font-family:arial; font-size:8pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:8pt; font-family:Trebuchet MS">Noninterest income (GAAP)</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">A</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">494</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">493</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">462</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">428</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">421</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">1</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">&#151;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">%&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">73</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">17</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">%&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">1,877</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">1,596</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">281</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">18</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">%&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:arial; font-size:8pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:8pt; font-family:Trebuchet MS">Less: Notable items</P></TD>
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<TD VALIGN="bottom"></TD>
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<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">&#151;&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">&#151;&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">&#151;&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">&#151;&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">(5</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">)&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">&#151;&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">&#151;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">5</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">100</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">&#151;&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">(5</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">)&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">5</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">100</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:arial; font-size:8pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:8pt; font-family:Trebuchet MS">Noninterest income, Underlying <FONT STYLE="white-space:nowrap">(non-GAAP)</FONT></P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">B</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">494</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">493</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">462</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">428</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">426</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">1</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">&#151;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">%&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">68</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">16</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">%&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">1,877</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">1,601</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">276</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">17</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">%&nbsp;</FONT></TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:arial; font-size:8pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:8pt; font-family:Trebuchet MS"><B>Total revenue, Underlying:</B></P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:arial; font-size:8pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:8pt; font-family:Trebuchet MS">Total revenue (GAAP)</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">C</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">1,637</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">1,638</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">1,628</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">1,588</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">1,593</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">($</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">1</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">)&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">&#151;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">%&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">44</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">3</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">%&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">6,491</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">6,128</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">363</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">6</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">%&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:arial; font-size:8pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:8pt; font-family:Trebuchet MS">Less: Notable items</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">&#151;&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">&#151;&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">&#151;&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">&#151;&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">(5</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">)&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">&#151;&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">&#151;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">5</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">100</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">&#151;&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">(5</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">)&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">5</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">100</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:arial; font-size:8pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:8pt; font-family:Trebuchet MS">Total revenue, Underlying <FONT STYLE="white-space:nowrap">(non-GAAP)</FONT></P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">D</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">1,637</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">1,638</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">1,628</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">1,588</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">1,598</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">($</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">1</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">)&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">&#151;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">%&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">39</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">2</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">%&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">6,491</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">6,133</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">358</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">6</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">%&nbsp;</FONT></TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:arial; font-size:8pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:8pt; font-family:Trebuchet MS"><B>Noninterest expense, Underlying:</B></P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:arial; font-size:8pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:8pt; font-family:Trebuchet MS">Noninterest expense (GAAP)</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">E</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">986</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">973</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">951</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">937</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">951</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">13</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">1</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">%&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">35</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">4</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">%&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">3,847</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">3,619</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">228</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">6</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">%&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:arial; font-size:8pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:8pt; font-family:Trebuchet MS">Less: Notable items</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">37</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">19</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">7</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">5</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">45</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">18</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">95</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">(8</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">)&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">(18</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">)&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">68</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">54</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">14</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">26</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:arial; font-size:8pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:8pt; font-family:Trebuchet MS">Noninterest expense, Underlying <FONT STYLE="white-space:nowrap">(non-GAAP)</FONT></P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">F</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">949</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">954</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">944</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">932</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">906</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">($</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">5</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">)&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">(1</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">%)&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">43</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">5</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">%&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">3,779</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">3,565</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">214</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">6</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">%&nbsp;</FONT></TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:arial; font-size:8pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:8pt; font-family:Trebuchet MS"><B><FONT STYLE="white-space:nowrap">Pre-provision</FONT> profit:</B></P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:arial; font-size:8pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:8pt; font-family:Trebuchet MS">Total revenue (GAAP)</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">C</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">1,637</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">1,638</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">1,628</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">1,588</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">1,593</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">($</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">1</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">)&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">&#151;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">%&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">44</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">3</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">%&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">6,491</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">6,128</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">363</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">6</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">%&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:arial; font-size:8pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:8pt; font-family:Trebuchet MS">Less: Noninterest expense (GAAP)</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">E</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">986</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">973</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">951</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">937</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">951</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">13</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">1</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">35</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">4</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">3,847</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">3,619</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">228</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">6</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:arial; font-size:8pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:8pt; font-family:Trebuchet MS"><FONT STYLE="white-space:nowrap">Pre-provision</FONT> profit (GAAP)</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">651</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">665</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">677</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">651</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">642</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">($</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">14</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">)&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">(2</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">%)&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">9</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">1</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">%&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">2,644</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">2,509</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">135</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">5</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">%&nbsp;</FONT></TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:arial; font-size:8pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:8pt; font-family:Trebuchet MS"><B><FONT STYLE="white-space:nowrap">Pre-provision</FONT> profit, Underlying:</B></P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:arial; font-size:8pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:8pt; font-family:Trebuchet MS">Total revenue, Underlying <FONT STYLE="white-space:nowrap">(non-GAAP)</FONT></P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">D</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">1,637</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">1,638</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">1,628</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">1,588</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">1,598</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">($</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">1</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">)&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">&#151;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">%&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">39</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">2</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">%&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">6,491</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">6,133</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">358</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">6</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">%&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:arial; font-size:8pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:8pt; font-family:Trebuchet MS">Less: Noninterest expense, Underlying <FONT STYLE="white-space:nowrap">(non-GAAP)</FONT></P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">F</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">949</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">954</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">944</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">932</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">906</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">(5</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">)&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">(1</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">)&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">43</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">5</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">3,779</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">3,565</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">214</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">6</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:arial; font-size:8pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:8pt; font-family:Trebuchet MS"><FONT STYLE="white-space:nowrap">Pre-provision</FONT> profit, Underlying <FONT
STYLE="white-space:nowrap">(non-GAAP)</FONT></P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">688</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">684</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">684</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">656</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">692</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">4</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">1</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">%&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">($</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">4</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">)&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">(1</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">%)&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">2,712</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">2,568</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">144</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">6</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">%&nbsp;</FONT></TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:arial; font-size:8pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:8pt; font-family:Trebuchet MS"><B>Income before income tax expense, Underlying:</B></P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:arial; font-size:8pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:8pt; font-family:Trebuchet MS">Income before income tax expense (GAAP)</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">G</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">541</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">564</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">580</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">566</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">557</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">($</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">23</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">)&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">(4</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">%)&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">($</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">16</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">)&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">(3</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">%)&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">2,251</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">2,183</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">68</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">3</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">%&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:arial; font-size:8pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:8pt; font-family:Trebuchet MS">Less: Income (expense) before income tax expense (benefit) related to notable items</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">(37</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">)&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">(19</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">)&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">(7</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">)&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">(5</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">)&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">(50</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">)&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">(18</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">)&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">(95</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">)&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">13</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">26</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">(68</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">)&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">(59</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">)&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">(9</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">)&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">(15</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">)&nbsp;</FONT></TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
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<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
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<TD>&nbsp;</TD>
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<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
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<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:arial; font-size:8pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:8pt; font-family:Trebuchet MS">Income before income tax expense, Underlying
<FONT STYLE="white-space:nowrap">(non-GAAP)</FONT></P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">H</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">578</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">583</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">587</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">571</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">607</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">($</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">5</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">)&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">(1</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">%)&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">($</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">29</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">)&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">(5</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">%)&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">2,319</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">2,242</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">77</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">3</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">%&nbsp;</FONT></TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
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<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:arial; font-size:8pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:8pt; font-family:Trebuchet MS"><B>Income tax expense, Underlying:</B></P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
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<TR STYLE="page-break-inside:avoid ; font-family:arial; font-size:8pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:8pt; font-family:Trebuchet MS">Income tax expense (benefit) (GAAP)</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">I</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">91</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">115</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">127</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">127</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
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<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">92</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">($</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">24</FONT></TD>
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<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">(21</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">%)&nbsp;</FONT></TD>
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<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">($</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">1</FONT></TD>
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<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">(1</FONT></TD>
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<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">460</FONT></TD>
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<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">462</FONT></TD>
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<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">($</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">2</FONT></TD>
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<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">&#151;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">%&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:arial; font-size:8pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:8pt; font-family:Trebuchet MS">Less: Income tax expense (benefit) related to notable items</P></TD>
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<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">(33</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">)&nbsp;</FONT></TD>
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<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">(15</FONT></TD>
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<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">(2</FONT></TD>
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<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">(1</FONT></TD>
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<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">(41</FONT></TD>
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<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">(18</FONT></TD>
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<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">(120</FONT></TD>
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<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">8</FONT></TD>
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<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">20</FONT></TD>
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<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">(51</FONT></TD>
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<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">(43</FONT></TD>
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<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">(8</FONT></TD>
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<TR STYLE="page-break-inside:avoid ; font-family:arial; font-size:8pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:8pt; font-family:Trebuchet MS">Income tax expense, Underlying <FONT STYLE="white-space:nowrap">(non-GAAP)</FONT></P></TD>
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<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">J</FONT></TD>
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<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">124</FONT></TD>
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<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">130</FONT></TD>
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<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">129</FONT></TD>
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<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">128</FONT></TD>
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<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">133</FONT></TD>
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<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">6</FONT></TD>
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<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">(5</FONT></TD>
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<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">9</FONT></TD>
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<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">511</FONT></TD>
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<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">505</FONT></TD>
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<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">6</FONT></TD>
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<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:arial; font-size:8pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:8pt; font-family:Trebuchet MS"><B>Net income, Underlying:</B></P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
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<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:arial; font-size:8pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:8pt; font-family:Trebuchet MS">Net income (GAAP)</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">K</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">450</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">449</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">453</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">439</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">465</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">1</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">&#151;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">%&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">($</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">15</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">)&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">(3</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">%)&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">1,791</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">1,721</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">70</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">4</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">%&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:arial; font-size:8pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:8pt; font-family:Trebuchet MS">Add: Notable items, net of income tax expense (benefit)</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">4</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">4</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">5</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">4</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">9</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">&#151;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
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<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">&#151;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">(5</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">)&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">(56</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">)&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">17</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">16</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">1</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">6</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
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<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
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<TD VALIGN="bottom">&nbsp;</TD>
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<TD VALIGN="bottom">&nbsp;</TD>
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<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
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<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
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<TD VALIGN="bottom"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:arial; font-size:8pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:8pt; font-family:Trebuchet MS">Net income, Underlying <FONT STYLE="white-space:nowrap">(non-GAAP)</FONT></P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">L</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">454</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">453</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">458</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">443</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">474</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">1</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">&#151;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">%&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">($</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">20</FONT></TD>
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<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">(4</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">%)&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">1,808</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">1,737</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">71</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">4</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">%&nbsp;</FONT></TD></TR>
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<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
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<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:arial; font-size:8pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:8pt; font-family:Trebuchet MS"><B>Net income available to common stockholders, Underlying:</B></P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:arial; font-size:8pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:8pt; font-family:Trebuchet MS">Net income available to common stockholders (GAAP)</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">M</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">427</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">432</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">435</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">424</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">450</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">($</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">5</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">)&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">(1</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">%)&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">($</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">23</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">)&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">(5</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">%)&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">1,718</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">1,692</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">26</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">2</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">%&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:arial; font-size:8pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:8pt; font-family:Trebuchet MS">Add: Notable items, net of income tax expense (benefit)</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">4</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">4</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">5</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">4</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">9</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">&#151;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">&#151;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">(5</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">)&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">(56</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">)&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">17</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">16</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">1</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">6</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:arial; font-size:8pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:8pt; font-family:Trebuchet MS">Net income available to common stockholders, Underlying
<FONT STYLE="white-space:nowrap">(non-GAAP)</FONT></P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">N</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">431</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">436</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">440</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">428</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">459</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">($</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">5</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">)&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">(1</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">%)&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">($</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">28</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">)&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">(6</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">%)&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">1,735</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">1,708</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">27</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">2</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">%&nbsp;</FONT></TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
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<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
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<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
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</TABLE>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Trebuchet MS" ALIGN="center">23 </P>


<p Style='page-break-before:always'>
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">


 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Trebuchet MS"><B>KEY PERFORMANCE METRICS, <FONT STYLE="white-space:nowrap">NON-GAAP</FONT> FINANCIAL MEASURES AND
RECONCILIATIONS, CONTINUED </B></P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Trebuchet MS"><B>(in millions, except share, <FONT STYLE="white-space:nowrap">per-share</FONT> and ratio data) </B></P>
<p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P>
 <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
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<TR STYLE="page-break-inside:avoid ; font-family:arial; font-size:7pt">
<TD VALIGN="bottom">&nbsp;</TD>
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<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="34" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><FONT STYLE="font-family:Trebuchet MS; "><B>QUARTERLY TRENDS</B></FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="14" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><FONT STYLE="font-family:Trebuchet MS; "><B>FULL YEAR</B></FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:arial; font-size:7pt">
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
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<TD COLSPAN="2" VALIGN="bottom">&nbsp;</TD>
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<TD VALIGN="bottom">&nbsp;</TD>
<TD COLSPAN="2" VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="14" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><FONT STYLE="font-family:Trebuchet MS; "><B>4Q19 Change</B></FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD COLSPAN="2" VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
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<TD COLSPAN="2" VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="6" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><FONT STYLE="font-family:Trebuchet MS; "><B>2019&nbsp;Change</B></FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:arial; font-size:7pt">
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><FONT STYLE="font-family:Trebuchet MS; "><B>4Q19</B></FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><FONT STYLE="font-family:Trebuchet MS; "><B>3Q19</B></FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><FONT STYLE="font-family:Trebuchet MS; "><B>2Q19</B></FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><FONT STYLE="font-family:Trebuchet MS; "><B>1Q19</B></FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><FONT STYLE="font-family:Trebuchet MS; "><B>4Q18</B></FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="6" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><FONT STYLE="font-family:Trebuchet MS; "><B>3Q19</B></FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="6" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><FONT STYLE="font-family:Trebuchet MS; "><B>4Q18</B></FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><FONT STYLE="font-family:Trebuchet MS; "><B>2019</B></FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><FONT STYLE="font-family:Trebuchet MS; "><B>2018</B></FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="6" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><FONT STYLE="font-family:Trebuchet MS; "><B>2018</B></FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:arial; font-size:7pt">
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD COLSPAN="2" VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD COLSPAN="2" VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD COLSPAN="2" VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD COLSPAN="2" VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD COLSPAN="2" VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><FONT STYLE="font-family:Trebuchet MS; "><B>$/bps</B></FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><FONT STYLE="font-family:Trebuchet MS; "><B>%</B></FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><FONT STYLE="font-family:Trebuchet MS; "><B>$/bps</B></FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><FONT STYLE="font-family:Trebuchet MS; "><B>%</B></FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD COLSPAN="2" VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD COLSPAN="2" VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><FONT STYLE="font-family:Trebuchet MS; "><B>$/bps</B></FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><FONT STYLE="font-family:Trebuchet MS; "><B>%</B></FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>


<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:arial; font-size:7pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:7pt; font-family:Trebuchet MS"><B>Operating leverage:</B></P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:arial; font-size:7pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:7pt; font-family:Trebuchet MS">Total revenue (GAAP)</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="center"><FONT STYLE="font-family:Trebuchet MS; ">C</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">1,637</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">1,638</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">1,628</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">1,588</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">1,593</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">($</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">1</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">)&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">(0.14</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">%)&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">44</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">2.73</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">%&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">6,491</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">6,128</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">363</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">5.91</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">%&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:arial; font-size:7pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:7pt; font-family:Trebuchet MS">Less: Noninterest expense (GAAP)</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="center"><FONT STYLE="font-family:Trebuchet MS; ">E</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">986</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">973</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">951</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">937</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">951</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">13</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">1.33</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">35</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">3.74</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">3,847</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">3,619</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">228</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">6.30</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:arial; font-size:7pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:7pt; font-family:Trebuchet MS">Operating leverage</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">(1.47</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">%)&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">(1.01</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">%)&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">(0.39</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">%)&nbsp;</FONT></TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:arial; font-size:7pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:7pt; font-family:Trebuchet MS"><B>Operating leverage, Underlying:</B></P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:arial; font-size:7pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:7pt; font-family:Trebuchet MS">Total revenue, Underlying <FONT STYLE="white-space:nowrap">(non-GAAP)</FONT></P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="center"><FONT STYLE="font-family:Trebuchet MS; ">D</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">1,637</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">1,638</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">1,628</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">1,588</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">1,598</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">($</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">1</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">)&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">(0.14</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">%)&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">39</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">2.41</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">%&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">6,491</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">6,133</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">358</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">5.83</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">%&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:arial; font-size:7pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:7pt; font-family:Trebuchet MS">Less: Noninterest expense, Underlying <FONT STYLE="white-space:nowrap">(non-GAAP)</FONT></P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="center"><FONT STYLE="font-family:Trebuchet MS; ">F</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">949</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">954</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">944</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">932</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">906</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">(5</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">)&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">(0.49</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">)&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">43</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">4.79</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">3,779</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">3,565</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">214</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">6.00</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:arial; font-size:7pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:7pt; font-family:Trebuchet MS">Operating leverage, Underlying <FONT STYLE="white-space:nowrap">(non-GAAP)</FONT></P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">0.35</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">%&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">(2.38</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">%)&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">(0.17</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">%)&nbsp;</FONT></TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:arial; font-size:7pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:7pt; font-family:Trebuchet MS"><B>Efficiency ratio and efficiency ratio, Underlying:</B></P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:arial; font-size:7pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:7pt; font-family:Trebuchet MS">Efficiency ratio</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="center"><FONT STYLE="font-family:Trebuchet MS; ">E/C</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">60.28</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">%&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">59.40</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">%&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">58.41</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">%&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">59.00</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">%&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">59.69</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">%&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">88</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;bps&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">59</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;bps&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">59.28</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">%&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">59.06</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">%&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">22</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;bps&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:arial; font-size:7pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:7pt; font-family:Trebuchet MS">Efficiency ratio, Underlying <FONT STYLE="white-space:nowrap">(non-GAAP)</FONT></P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="center"><FONT STYLE="font-family:Trebuchet MS; ">F/D</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">58.02</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">58.22</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">58.02</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">58.67</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">56.70</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">(20</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">)&nbsp;bps&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">132</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;bps&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">58.23</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">58.13</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">10</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;bps&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:arial; font-size:7pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:7pt; font-family:Trebuchet MS"><B>Noninterest income as a % of total revenue, Underlying:</B></P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:arial; font-size:7pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:7pt; font-family:Trebuchet MS">Noninterest income as a % of total revenue</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="center"><FONT STYLE="font-family:Trebuchet MS; ">A/C</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">30</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">%&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">30</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">%&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">28</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">%&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">27</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">%&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">26</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">%&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">&#151;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;&nbsp;bps&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">400</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;bps&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">29</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">%&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">26</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">%&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">300</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;bps&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:arial; font-size:7pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:7pt; font-family:Trebuchet MS">Noninterest income as a % of total revenue, Underlying</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="center"><FONT STYLE="font-family:Trebuchet MS; ">B/D</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">30</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">30</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">28</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">27</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">27</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">&#151;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;&nbsp;bps&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">300</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;bps&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">29</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">26</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">300</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;bps&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:arial; font-size:7pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:7pt; font-family:Trebuchet MS"><B>Effective income tax rate and effective income tax rate, Underlying:</B></P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:arial; font-size:7pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:7pt; font-family:Trebuchet MS">Effective income tax rate</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="center"><FONT STYLE="font-family:Trebuchet MS; ">I/G</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">16.76</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">%&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">20.46</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">%&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">21.86</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">%&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">22.42</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">%&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">16.45</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">%&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">(370</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">)&nbsp;bps&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">31</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;bps&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">20.43</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">%&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">21.16</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">%&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">(73</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">)&nbsp;bps&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:arial; font-size:7pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:7pt; font-family:Trebuchet MS">Effective income tax rate, Underlying <FONT STYLE="white-space:nowrap">(non-GAAP)</FONT></P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="center"><FONT STYLE="font-family:Trebuchet MS; ">J/H</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">21.52</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">22.29</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">21.89</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">22.44</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">21.91</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">(77</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">)&nbsp;bps&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">(39</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">)&nbsp;bps&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">22.03</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">22.55</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">(52</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">)&nbsp;bps&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:arial; font-size:7pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:7pt; font-family:Trebuchet MS"><B>Return on average common equity and return on average common equity, Underlying:</B></P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:arial; font-size:7pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:7pt; font-family:Trebuchet MS">Average common equity (GAAP)</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="center"><FONT STYLE="font-family:Trebuchet MS; ">O</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">20,400</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">20,533</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">20,420</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">19,942</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">19,521</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">($</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">133</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">)&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">(1</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">%)&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">879</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">5</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">%&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">20,325</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">19,645</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">680</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">3</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">%&nbsp;</FONT></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:arial; font-size:7pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:7pt; font-family:Trebuchet MS">Return on average common equity</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="center"><FONT STYLE="font-family:Trebuchet MS; ">M/O</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">8.30</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">%&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">8.35</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">%&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">8.54</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">%&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">8.62</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">%&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">9.16</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">%&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">(5</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">) bps&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">(86</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">)&nbsp;bps&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">8.45</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">%&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">8.62</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">%&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">(17</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">)&nbsp;bps&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:arial; font-size:7pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:7pt; font-family:Trebuchet MS">Return on average common equity, Underlying
<FONT STYLE="white-space:nowrap">(non-GAAP)</FONT></P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="center"><FONT STYLE="font-family:Trebuchet MS; ">N/O</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">8.36</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">8.45</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">8.63</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">8.71</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">9.33</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">(9</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">) bps&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">(97</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">)&nbsp;bps&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">8.53</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">8.69</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">(16</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">)&nbsp;bps&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:arial; font-size:7pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:7pt; font-family:Trebuchet MS"><B>Return on average tangible common equity and return on average tangible common equity,
Underlying:</B></P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:arial; font-size:7pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:7pt; font-family:Trebuchet MS">Average common equity (GAAP)</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="center"><FONT STYLE="font-family:Trebuchet MS; ">O</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">20,400</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">20,533</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">20,420</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">19,942</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">19,521</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">($</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">133</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">)&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">(1</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">%)&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">879</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">5</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">%&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">20,325</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">19,645</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">680</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">3</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">%&nbsp;</FONT></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:arial; font-size:7pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:7pt; font-family:Trebuchet MS">Less: Average goodwill (GAAP)</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">7,044</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">7,044</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">7,040</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">7,018</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">6,946</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">&#151;&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">&#151;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">98</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">1</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">7,036</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">6,912</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">124</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">2</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:arial; font-size:7pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:7pt; font-family:Trebuchet MS">Less: Average other intangibles (GAAP)</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">69</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">73</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">80</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">59</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">32</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">(4</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">)&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">(5</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">)&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">37</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">116</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">71</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">14</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">57</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">NM</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:arial; font-size:7pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:7pt; font-family:Trebuchet MS">Add: Average deferred tax liabilities related to goodwill (GAAP)</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">373</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">372</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">370</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">368</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">364</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">1</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">&#151;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">9</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">2</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">371</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">359</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">12</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">3</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:arial; font-size:7pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:7pt; font-family:Trebuchet MS">Average tangible common equity</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="center"><FONT STYLE="font-family:Trebuchet MS; ">P</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">13,660</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">13,788</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">13,670</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">13,233</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">12,907</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">($</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">128</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">)&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">(1</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">%)&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">753</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">6</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">%&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">13,589</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">13,078</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">511</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">4</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">%&nbsp;</FONT></TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:arial; font-size:7pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:7pt; font-family:Trebuchet MS">Return on average tangible common equity</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="center"><FONT STYLE="font-family:Trebuchet MS; ">M/P</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">12.39</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">%&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">12.44</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">%&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">12.75</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">%&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">13.00</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">%&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">13.85</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">%&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">(5</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">)&nbsp;bps&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">(146</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">)&nbsp;bps&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">12.64</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">%&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">12.94</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">%&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">(30</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">)&nbsp;bps&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:arial; font-size:7pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:7pt; font-family:Trebuchet MS">Return on average tangible common equity, Underlying
<FONT STYLE="white-space:nowrap">(non-GAAP)</FONT> </P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="center"><FONT STYLE="font-family:Trebuchet MS; ">N/P</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">12.49</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">12.58</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">12.89</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">13.12</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">14.11</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">(9</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">)&nbsp;bps&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">(162</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">)&nbsp;bps&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">12.76</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">13.06</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">(30</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">)&nbsp;bps&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:arial; font-size:7pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:7pt; font-family:Trebuchet MS"><B>Return on average total assets and return on average total assets, Underlying:</B></P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:arial; font-size:7pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:7pt; font-family:Trebuchet MS">Average total assets (GAAP)</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="center"><FONT STYLE="font-family:Trebuchet MS; ">Q</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">164,646</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">162,110</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">161,489</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">160,415</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">157,732</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">2,536</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">2</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">%&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">6,914</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">4</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">%&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">162,176</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">154,553</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">7,623</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">5</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">%&nbsp;</FONT></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:arial; font-size:7pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:7pt; font-family:Trebuchet MS">Return on average total assets</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="center"><FONT STYLE="font-family:Trebuchet MS; ">K/Q</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">1.08</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">%&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">1.10</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">%&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">1.13</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">%&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">1.11</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">%&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">1.17</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">%&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">(2</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">) bps&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">(9</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">)&nbsp;bps&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">1.10</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">%&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">1.11</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">%&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">(1</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">)&nbsp;bps&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:arial; font-size:7pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:7pt; font-family:Trebuchet MS">Return on average total assets, Underlying <FONT STYLE="white-space:nowrap">(non-GAAP)</FONT></P></TD>

<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="center"><FONT STYLE="font-family:Trebuchet MS; ">L/Q</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">1.09</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">1.11</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">1.14</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">1.12</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">1.19</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">(2</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">) bps&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">(10</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">)&nbsp;bps&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">1.11</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">1.12</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">(1</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">)&nbsp;bps&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
</TABLE>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Trebuchet MS" ALIGN="center">24 </P>


<p Style='page-break-before:always'>
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">


 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Trebuchet MS"><B>KEY PERFORMANCE METRICS, <FONT STYLE="white-space:nowrap">NON-GAAP</FONT> FINANCIAL MEASURES AND
RECONCILIATIONS, CONTINUED </B></P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Trebuchet MS"><B>(in millions, except share, <FONT STYLE="white-space:nowrap">per-share</FONT> and ratio data) </B></P>
<p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:6.5pt" ALIGN="center">


<TR>

<TD WIDTH="50%"></TD>

<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>

<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>

<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>

<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>

<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>

<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>

<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>

<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>

<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>

<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD></TD>
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<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD></TD>
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<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD></TD>
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<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD></TD>
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<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD></TD>
<TD></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:arial; font-size:6.5pt">
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="34" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><FONT STYLE="font-family:Trebuchet MS; "><B>QUARTERLY TRENDS</B></FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="14" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><FONT STYLE="font-family:Trebuchet MS; "><B>FULL YEAR</B></FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:arial; font-size:6.5pt">
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD COLSPAN="2" VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD COLSPAN="2" VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD COLSPAN="2" VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD COLSPAN="2" VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD COLSPAN="2" VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="14" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><FONT STYLE="font-family:Trebuchet MS; "><B>4Q19 Change</B></FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD COLSPAN="2" VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD COLSPAN="2" VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="6" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><FONT STYLE="font-family:Trebuchet MS; "><B>2019&nbsp;Change</B></FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:arial; font-size:6.5pt">
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><FONT STYLE="font-family:Trebuchet MS; "><B>4Q19</B></FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><FONT STYLE="font-family:Trebuchet MS; "><B>3Q19</B></FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><FONT STYLE="font-family:Trebuchet MS; "><B>2Q19</B></FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><FONT STYLE="font-family:Trebuchet MS; "><B>1Q19</B></FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><FONT STYLE="font-family:Trebuchet MS; "><B>4Q18</B></FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="6" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><FONT STYLE="font-family:Trebuchet MS; "><B>3Q19</B></FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="6" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><FONT STYLE="font-family:Trebuchet MS; "><B>4Q18</B></FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><FONT STYLE="font-family:Trebuchet MS; "><B>2019</B></FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><FONT STYLE="font-family:Trebuchet MS; "><B>2018</B></FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="6" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><FONT STYLE="font-family:Trebuchet MS; "><B>2018</B></FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:arial; font-size:6.5pt">
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD COLSPAN="2" VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD COLSPAN="2" VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD COLSPAN="2" VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD COLSPAN="2" VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD COLSPAN="2" VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><FONT STYLE="font-family:Trebuchet MS; "><B>$/bps</B></FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><FONT STYLE="font-family:Trebuchet MS; "><B>%</B></FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><FONT STYLE="font-family:Trebuchet MS; "><B>$/bps</B></FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><FONT STYLE="font-family:Trebuchet MS; "><B>%</B></FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD COLSPAN="2" VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD COLSPAN="2" VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><FONT STYLE="font-family:Trebuchet MS; "><B>$/bps</B></FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><FONT STYLE="font-family:Trebuchet MS; "><B>%</B></FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>


<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:arial; font-size:6.5pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:6.5pt; font-family:Trebuchet MS"><B>Return on average total tangible assets and return on average total tangible assets,
Underlying:</B></P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:arial; font-size:6.5pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:6.5pt; font-family:Trebuchet MS">Average total assets (GAAP)</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="center"><FONT STYLE="font-family:Trebuchet MS; ">Q</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">164,646</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">162,110</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">161,489</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">160,415</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">157,732</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">2,536</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">2</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">%&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">6,914</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">4</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">%&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">162,176</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">154,553</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">7,623</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">5</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">%&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:arial; font-size:6.5pt">
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:6.5pt; font-family:Trebuchet MS">Less: Average goodwill (GAAP)</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">7,044</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">7,044</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">7,040</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">7,018</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">6,946</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">&#151;&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">&#151;&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">98</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">1</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">7,036</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">6,912</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">124</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">2</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:arial; font-size:6.5pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:6.5pt; font-family:Trebuchet MS">Less: Average other intangibles (GAAP)</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">69</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">73</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">80</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">59</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">32</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">(4</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">)&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">(5</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">)&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">37</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">116</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">71</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">14</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">57</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">NM</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:arial; font-size:6.5pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:6.5pt; font-family:Trebuchet MS">Add: Average deferred tax liabilities related to goodwill (GAAP)</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">373</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">372</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">370</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">368</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">364</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">1</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">&#151;&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">9</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">2</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">371</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">359</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">12</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">3</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:arial; font-size:6.5pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:6.5pt; font-family:Trebuchet MS">Average tangible assets</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="center"><FONT STYLE="font-family:Trebuchet MS; ">R</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">157,906</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">155,365</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">154,739</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">153,706</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">151,118</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">2,541</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">2</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">%&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">6,788</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">4</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">%&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">155,440</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">147,986</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">7,454</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">5</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">%&nbsp;</FONT></TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:arial; font-size:6.5pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:6.5pt; font-family:Trebuchet MS">Return on average total tangible assets</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="center"><FONT STYLE="font-family:Trebuchet MS; ">K/R</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">1.13</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">%&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">1.15</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">%&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">1.17</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">%&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">1.16</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">%&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">1.22</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">%&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">(2</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">) bps&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">(9</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">) bps&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">1.15</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">%&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">1.16</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">%&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">(1</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">)&nbsp;bps&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:arial; font-size:6.5pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:6.5pt; font-family:Trebuchet MS">Return on average total tangible assets, Underlying
<FONT STYLE="white-space:nowrap">(non-GAAP)</FONT></P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="center"><FONT STYLE="font-family:Trebuchet MS; ">L/R</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">1.14</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">1.16</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">1.19</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">1.17</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">1.24</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">(2</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">) bps&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">(10</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">) bps&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">1.16</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">1.17</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">(1</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">)&nbsp;bps&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:arial; font-size:6.5pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:6.5pt; font-family:Trebuchet MS"><B>Tangible book value per common share:</B></P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:arial; font-size:6.5pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:6.5pt; font-family:Trebuchet MS">Common shares - at <FONT STYLE="white-space:nowrap">period-end</FONT> (GAAP)</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="center"><FONT STYLE="font-family:Trebuchet MS; ">S</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">433,121,083</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">443,913,525</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">457,903,826</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">461,116,723</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">466,007,984</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">(10,792,442</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">)&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">(2</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">%)&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">(32,886,901</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">)&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">(7</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">%)&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">433,121,083</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">466,007,984</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">(32,886,901)</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">(7%)</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:arial; font-size:6.5pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:6.5pt; font-family:Trebuchet MS">Common stockholders&#146; equity (GAAP)</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">20,631</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">20,718</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">20,884</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">20,399</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">19,977</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">($</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">87</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">)&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">&#151;&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">654</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">3</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">20,631</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">19,977</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">654</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">3</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:arial; font-size:6.5pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:6.5pt; font-family:Trebuchet MS">Less: Goodwill (GAAP)</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">7,044</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">7,044</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">7,040</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">7,040</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">6,923</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">&#151;&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">&#151;&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">121</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">2</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">7,044</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">6,923</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">121</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">2</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:arial; font-size:6.5pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:6.5pt; font-family:Trebuchet MS">Less: Other intangible assets (GAAP)</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">68</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">71</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">74</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">80</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">31</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">(3</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">)&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">(4</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">)&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">37</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">119</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">68</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">31</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">37</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">119</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:arial; font-size:6.5pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:6.5pt; font-family:Trebuchet MS">Add: Deferred tax liabilities related to goodwill (GAAP)</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">374</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">373</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">371</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">370</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">366</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">1</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">&#151;&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">8</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">2</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">374</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">366</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">8</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">2</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:arial; font-size:6.5pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:6.5pt; font-family:Trebuchet MS">Tangible common equity</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="center"><FONT STYLE="font-family:Trebuchet MS; ">T</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">13,893</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">13,976</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">14,141</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">13,649</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">13,389</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">($</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">83</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">)&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">(1</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">%)&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">504</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">4</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">%&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">13,893</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">13,389</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">504</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">4</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">%&nbsp;</FONT></TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:arial; font-size:6.5pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:6.5pt; font-family:Trebuchet MS">Tangible book value per common share</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="center"><FONT STYLE="font-family:Trebuchet MS; ">T/S</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">32.08</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">31.48</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">30.88</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">29.60</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">28.73</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">0.60</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">2</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">%&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">3.35</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">12</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">%&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">32.08</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">28.73</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">3.35</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">12</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">%&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:arial; font-size:6.5pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:6.5pt; font-family:Trebuchet MS"><B>Net income per average common share - basic and diluted and net income per average common share -
basic and diluted, Underlying:</B></P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:arial; font-size:6.5pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:6.5pt; font-family:Trebuchet MS">Average common shares outstanding - basic (GAAP)</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="center"><FONT STYLE="font-family:Trebuchet MS; ">U</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">434,684,606</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">445,703,987</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">458,154,335</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">460,713,172</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">467,338,825</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">(11,019,381</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">)&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">(2</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">%)&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">(32,654,219</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">)&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">(7</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">%)&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">449,731,453</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">478,822,072</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">(29,090,619</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">)&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">(6</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">%)&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:arial; font-size:6.5pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:6.5pt; font-family:Trebuchet MS">Average common shares outstanding - diluted (GAAP)</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="center"><FONT STYLE="font-family:Trebuchet MS; ">V</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">436,500,829</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">447,134,595</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">459,304,224</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">462,520,680</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">469,103,134</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">(10,633,766</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">)&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">(2</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">)&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">(32,602,305</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">)&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">(7</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">)&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">451,213,701</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">480,430,741</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">(29,217,040</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">)&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">(6</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">)&nbsp;</FONT></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:arial; font-size:6.5pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:6.5pt; font-family:Trebuchet MS">Net income per average common share - basic (GAAP)</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="center"><FONT STYLE="font-family:Trebuchet MS; ">M/U</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">0.98</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">0.97</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">0.95</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">0.92</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">0.96</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">0.01</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">1</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">0.02</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">2</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">3.82</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">3.54</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">0.28</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">8</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:arial; font-size:6.5pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:6.5pt; font-family:Trebuchet MS">Net income per average common share - diluted (GAAP)</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="center"><FONT STYLE="font-family:Trebuchet MS; ">M/V</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">0.98</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">0.97</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">0.95</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">0.92</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">0.96</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">0.01</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">1</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">0.02</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">2</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">3.81</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">3.52</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">0.29</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">8</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:arial; font-size:6.5pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:6.5pt; font-family:Trebuchet MS">Net income per average common share - basic, Underlying
<FONT STYLE="white-space:nowrap">(non-GAAP)</FONT></P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="center"><FONT STYLE="font-family:Trebuchet MS; ">N/U</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">0.99</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">0.98</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">0.96</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">0.93</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">0.98</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">0.01</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">1</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">0.01</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">1</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">3.86</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">3.57</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">0.29</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">8</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:arial; font-size:6.5pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:6.5pt; font-family:Trebuchet MS">Net income per average common share - diluted, Underlying (non-GAAP)</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="center"><FONT STYLE="font-family:Trebuchet MS; ">N/V</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">0.99</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">0.98</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">0.96</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">0.93</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">0.98</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">0.01</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">1</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">0.01</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">1</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">3.84</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">3.56</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">0.28</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">8</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:arial; font-size:6.5pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:6.5pt; font-family:Trebuchet MS"><B>Dividend payout ratio and dividend payout ratio, Underlying:</B></P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:arial; font-size:6.5pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:6.5pt; font-family:Trebuchet MS">Cash dividends declared and paid per common share</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="center"><FONT STYLE="font-family:Trebuchet MS; ">W</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">0.36</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">0.36</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">0.32</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">0.32</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">0.27</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">&#151;&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">&#151;&nbsp;&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">%</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">0.09</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">33</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">%&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">1.36</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">0.98</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">0.38</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">39</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">%&nbsp;</FONT></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:arial; font-size:6.5pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:6.5pt; font-family:Trebuchet MS">Dividend payout ratio</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" NOWRAP ALIGN="center"><FONT STYLE="font-family:Trebuchet MS; ">W/(M/U)</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">37</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">%&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">37</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">%&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">34</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">%&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">35</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">%&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">28</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">%&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">&#151;&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;bps&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">900</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;bps&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">36</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">%&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">28</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">%&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">800</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;bps&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:arial; font-size:6.5pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:6.5pt; font-family:Trebuchet MS">Dividend payout ratio, Underlying <FONT STYLE="white-space:nowrap">(non-GAAP)</FONT></P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="center"><FONT STYLE="font-family:Trebuchet MS; ">W/(N/U)</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">36</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">37</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">33</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">34</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">27</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">(100</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">)&nbsp;bps&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">900</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;bps&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">35</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">27</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">800</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;bps&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
</TABLE>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Trebuchet MS" ALIGN="center">25 </P>


<p Style='page-break-before:always'>
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">


 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Trebuchet MS"><B>KEY PERFORMANCE METRICS, <FONT STYLE="white-space:nowrap">NON-GAAP</FONT> FINANCIAL MEASURES AND
RECONCILIATIONS, CONTINUED </B></P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Trebuchet MS"><B>(in millions, except share, <FONT STYLE="white-space:nowrap">per-share</FONT> and ratio data) </B></P>
<p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P>

<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Trebuchet MS; font-size:8pt" ALIGN="center">


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<TD WIDTH="49%"></TD>

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<TD VALIGN="bottom" WIDTH="1%"></TD>
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<TD VALIGN="bottom" WIDTH="1%"></TD>
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<TD VALIGN="bottom" WIDTH="1%"></TD>
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<TD VALIGN="bottom" WIDTH="1%"></TD>
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<TD VALIGN="bottom" WIDTH="1%"></TD>
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<TD VALIGN="bottom" WIDTH="1%"></TD>
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<TD VALIGN="bottom" WIDTH="1%"></TD>
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<TD VALIGN="bottom" WIDTH="1%"></TD>
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<TD VALIGN="bottom" WIDTH="1%"></TD>
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<TD VALIGN="bottom" WIDTH="1%"></TD>
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<TD VALIGN="bottom" WIDTH="1%"></TD>
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<TR STYLE="page-break-inside:avoid ; font-family:Trebuchet MS; font-size:8pt">
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="42" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>QUARTERLY TRENDS</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="18" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>FULL YEAR</B></TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Trebuchet MS; font-size:8pt">
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD COLSPAN="2" VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD COLSPAN="2" VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD COLSPAN="2" VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD COLSPAN="2" VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD COLSPAN="2" VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="22" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>4Q19 Change</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD COLSPAN="2" VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD COLSPAN="2" VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="10" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>2019&nbsp;Change</B></TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Trebuchet MS; font-size:8pt">
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>4Q19</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>3Q19</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>2Q19</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>1Q19</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>4Q18</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="10" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>3Q19</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="10" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>4Q18</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>2019</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>2018</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="10" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>2018</B></TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Trebuchet MS; font-size:8pt">
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD COLSPAN="2" VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD COLSPAN="2" VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD COLSPAN="2" VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD COLSPAN="2" VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD COLSPAN="2" VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" NOWRAP ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>$</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD COLSPAN="2" VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>%</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" NOWRAP ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>$</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD COLSPAN="2" VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>%</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD COLSPAN="2" VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD COLSPAN="2" VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>$/bps</B></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD COLSPAN="2" VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>%</B></TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Trebuchet MS; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:8pt; font-family:Trebuchet MS"><B>Mortgage banking fees, Underlying:</B></P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Trebuchet MS; font-size:8pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:8pt; font-family:Trebuchet MS">Mortgage banking fees (GAAP)</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">80</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">117</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">62</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">43</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">51</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">($</TD>
<TD VALIGN="bottom" ALIGN="right">37</TD>
<TD NOWRAP VALIGN="bottom">)&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(32</TD>
<TD NOWRAP VALIGN="bottom">%)&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">29</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">57</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">302</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">152</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">150</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">99</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Trebuchet MS; font-size:8pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:8pt; font-family:Trebuchet MS">Less: Notable items</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(4</TD>
<TD NOWRAP VALIGN="bottom">)&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">4</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">100</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(4</TD>
<TD NOWRAP VALIGN="bottom">)&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">4</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">100</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Trebuchet MS; font-size:8pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:8pt; font-family:Trebuchet MS">Mortgage banking fees, Underlying <FONT STYLE="white-space:nowrap">(non-GAAP)</FONT></P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">80</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">117</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">62</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">43</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">55</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">($</TD>
<TD VALIGN="bottom" ALIGN="right">37</TD>
<TD NOWRAP VALIGN="bottom">)&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(32</TD>
<TD NOWRAP VALIGN="bottom">%)&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">25</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">45</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">302</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">156</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">146</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">94</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Trebuchet MS; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:8pt; font-family:Trebuchet MS"><B>Other income, Underlying:</B></P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Trebuchet MS; font-size:8pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:8pt; font-family:Trebuchet MS">Other income (GAAP)</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">16</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">20</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">28</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">25</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">15</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">($</TD>
<TD VALIGN="bottom" ALIGN="right">4</TD>
<TD NOWRAP VALIGN="bottom">)&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(20</TD>
<TD NOWRAP VALIGN="bottom">%)&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">1</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">7</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">89</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">64</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">25</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">39</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Trebuchet MS; font-size:8pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:8pt; font-family:Trebuchet MS">Less: Notable items</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(1</TD>
<TD NOWRAP VALIGN="bottom">)&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">100</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(1</TD>
<TD NOWRAP VALIGN="bottom">)&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">100</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Trebuchet MS; font-size:8pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:8pt; font-family:Trebuchet MS">Other income, Underlying <FONT STYLE="white-space:nowrap">(non-GAAP)</FONT></P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">16</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">20</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">28</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">25</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">16</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">($</TD>
<TD VALIGN="bottom" ALIGN="right">4</TD>
<TD NOWRAP VALIGN="bottom">)&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(20</TD>
<TD NOWRAP VALIGN="bottom">%)&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">$</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">89</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">65</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">24</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">37</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Trebuchet MS; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:8pt; font-family:Trebuchet MS"><B>Salaries and employee benefits, Underlying:</B></P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Trebuchet MS; font-size:8pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:8pt; font-family:Trebuchet MS">Salaries and employee benefits (GAAP)</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">502</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">508</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">507</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">509</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">483</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">($</TD>
<TD VALIGN="bottom" ALIGN="right">6</TD>
<TD NOWRAP VALIGN="bottom">)&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(1</TD>
<TD NOWRAP VALIGN="bottom">%)&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">19</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">4</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">2,026</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">1,880</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">146</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">8</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Trebuchet MS; font-size:8pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:8pt; font-family:Trebuchet MS">Less: Notable items</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">6</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">5</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">2</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">6</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">20</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">14</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">11</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">3</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">27</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Trebuchet MS; font-size:8pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:8pt; font-family:Trebuchet MS">Salaries and employee benefits, Underlying <FONT STYLE="white-space:nowrap">(non-GAAP)</FONT></P></TD>

<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">496</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">503</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">505</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">508</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">477</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">($</TD>
<TD VALIGN="bottom" ALIGN="right">7</TD>
<TD NOWRAP VALIGN="bottom">)&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(1</TD>
<TD NOWRAP VALIGN="bottom">%)&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">19</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">4</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">2,012</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">1,869</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">143</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">8</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Trebuchet MS; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:8pt; font-family:Trebuchet MS"><B>Equipment and software expense,
Underlying<SUP STYLE="font-size:85%; vertical-align:top">1</SUP>:</B></P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Trebuchet MS; font-size:8pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:8pt; font-family:Trebuchet MS">Equipment and software expense (GAAP)</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">133</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">130</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">126</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">125</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">124</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">3</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">2</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">9</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">7</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">514</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">464</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">50</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">11</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Trebuchet MS; font-size:8pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:8pt; font-family:Trebuchet MS">Less: Notable items</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">3</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">3</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">3</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">100</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">3</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">3</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Trebuchet MS; font-size:8pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:8pt; font-family:Trebuchet MS">Equipment and software expense, Underlying <FONT STYLE="white-space:nowrap">(non-GAAP)</FONT></P></TD>

<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">130</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">130</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">126</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">125</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">121</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">$</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">9</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">7</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">511</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">461</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">50</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">11</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Trebuchet MS; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:8pt; font-family:Trebuchet MS"><B>Outside services, Underlying:</B></P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Trebuchet MS; font-size:8pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:8pt; font-family:Trebuchet MS">Outside services (GAAP)</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">142</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">128</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">118</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">110</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">135</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">14</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">11</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">7</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">5</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">498</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">447</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">51</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">11</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Trebuchet MS; font-size:8pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:8pt; font-family:Trebuchet MS">Less: Notable items</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">20</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">14</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">5</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">4</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">19</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">6</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">43</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">5</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">43</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">20</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">23</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">115</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Trebuchet MS; font-size:8pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:8pt; font-family:Trebuchet MS">Outside services, Underlying <FONT STYLE="white-space:nowrap">(non-GAAP)</FONT></P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">122</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">114</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">113</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">106</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">116</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">8</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">7</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">6</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">5</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">455</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">427</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">28</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">7</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Trebuchet MS; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:8pt; font-family:Trebuchet MS"><B>Occupancy, Underlying:</B></P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Trebuchet MS; font-size:8pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:8pt; font-family:Trebuchet MS">Occupancy (GAAP)</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">88</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">80</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">82</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">83</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">92</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">8</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">10</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">($</TD>
<TD VALIGN="bottom" ALIGN="right">4</TD>
<TD NOWRAP VALIGN="bottom">)&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(4</TD>
<TD NOWRAP VALIGN="bottom">%)&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">333</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">333</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">$</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Trebuchet MS; font-size:8pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:8pt; font-family:Trebuchet MS">Less: Notable items</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">8</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">16</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">8</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">100</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(8</TD>
<TD NOWRAP VALIGN="bottom">)&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(50</TD>
<TD NOWRAP VALIGN="bottom">)&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">8</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">16</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(8</TD>
<TD NOWRAP VALIGN="bottom">)&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(50</TD>
<TD NOWRAP VALIGN="bottom">)&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Trebuchet MS; font-size:8pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:8pt; font-family:Trebuchet MS">Occupancy, Underlying <FONT STYLE="white-space:nowrap">(non-GAAP)</FONT></P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">80</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">80</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">82</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">83</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">76</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">$</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">4</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">5</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">325</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">317</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">8</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">3</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Trebuchet MS; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:8pt; font-family:Trebuchet MS"><B>Other operating expense, Underlying:</B></P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Trebuchet MS; font-size:8pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:8pt; font-family:Trebuchet MS">Other operating expense (GAAP)</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">121</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">127</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">118</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">110</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">117</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">($</TD>
<TD VALIGN="bottom" ALIGN="right">6</TD>
<TD NOWRAP VALIGN="bottom">)&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(5</TD>
<TD NOWRAP VALIGN="bottom">%)&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">4</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">3</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">476</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">495</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">($</TD>
<TD VALIGN="bottom" ALIGN="right">19</TD>
<TD NOWRAP VALIGN="bottom">)&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(4</TD>
<TD NOWRAP VALIGN="bottom">%)&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:Trebuchet MS; font-size:8pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:8pt; font-family:Trebuchet MS">Less: Notable items</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(1</TD>
<TD NOWRAP VALIGN="bottom">)&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(100</TD>
<TD NOWRAP VALIGN="bottom">)&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right">&#151;&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">4</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(4</TD>
<TD NOWRAP VALIGN="bottom">)&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(100</TD>
<TD NOWRAP VALIGN="bottom">)&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Trebuchet MS; font-size:8pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:8pt; font-family:Trebuchet MS">Other operating expense, Underlying <FONT STYLE="white-space:nowrap">(non-GAAP)</FONT></P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">121</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">127</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">118</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">110</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">116</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">($</TD>
<TD VALIGN="bottom" ALIGN="right">6</TD>
<TD NOWRAP VALIGN="bottom">)&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(5</TD>
<TD NOWRAP VALIGN="bottom">%)&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">5</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">4</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">476</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">491</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">($</TD>
<TD VALIGN="bottom" ALIGN="right">15</TD>
<TD NOWRAP VALIGN="bottom">)&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(3</TD>
<TD NOWRAP VALIGN="bottom">%)&nbsp;</TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
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<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
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<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
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<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
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<TD VALIGN="bottom"></TD></TR></TABLE> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Trebuchet MS; font-size:8pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<TR style = "page-break-inside:avoid">
<TD WIDTH="2%" VALIGN="top" ALIGN="left"><SUP STYLE="font-size:85%; vertical-align:top">1</SUP></TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:8pt; font-family:Trebuchet MS; " ALIGN="left">Beginning in the first quarter of 2019, we combined our presentation of equipment expense and amortization of
software into equipment and software expense. Prior periods have been adjusted to conform with the current period presentation. </P></TD></TR></TABLE>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Trebuchet MS" ALIGN="center">26 </P>


<p Style='page-break-before:always'>
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">

 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Trebuchet MS"><B>KEY PERFORMANCE METRICS, <FONT STYLE="white-space:nowrap">NON-GAAP</FONT> FINANCIAL MEASURES AND RECONCILIATIONS
- SEGMENTS </B></P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Trebuchet MS"><B>(in millions, except ratio data) </B></P> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:7pt" ALIGN="center">


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<TR STYLE="page-break-inside:avoid ; font-family:arial; font-size:7pt">
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
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<TD VALIGN="bottom" COLSPAN="14" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><FONT STYLE="font-family:Trebuchet MS; "><B>FOURTH QUARTER 2019</B></FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="14" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><FONT STYLE="font-family:Trebuchet MS; "><B>THIRD QUARTER 2019</B></FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
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<TD VALIGN="bottom" COLSPAN="14" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><FONT STYLE="font-family:Trebuchet MS; "><B>SECOND QUARTER 2019</B></FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:arial; font-size:7pt">
<TD VALIGN="bottom">&nbsp;</TD>
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<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><FONT STYLE="font-family:Trebuchet MS; "><B>Consumer<BR>Banking</B></FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><FONT STYLE="font-family:Trebuchet MS; "><B>Commercial<BR>Banking</B></FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><FONT STYLE="font-family:Trebuchet MS; "><B>Other</B></FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
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<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><FONT STYLE="font-family:Trebuchet MS; "><B>Consolidated</B></FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><FONT STYLE="font-family:Trebuchet MS; "><B>Consumer<BR>Banking</B></FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><FONT STYLE="font-family:Trebuchet MS; "><B>Commercial<BR>Banking</B></FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
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<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><FONT STYLE="font-family:Trebuchet MS; "><B>Other</B></FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><FONT STYLE="font-family:Trebuchet MS; "><B>Consolidated</B></FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><FONT STYLE="font-family:Trebuchet MS; "><B>Consumer<BR>Banking</B></FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><FONT STYLE="font-family:Trebuchet MS; "><B>Commercial<BR>Banking</B></FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><FONT STYLE="font-family:Trebuchet MS; "><B>Other</B></FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><FONT STYLE="font-family:Trebuchet MS; "><B>Consolidated</B></FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>


<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:arial; font-size:7pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:7pt; font-family:Trebuchet MS"><B>Net income (loss) available to common stockholders:</B></P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
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<TD VALIGN="bottom"></TD>
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<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:arial; font-size:7pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:7pt; font-family:Trebuchet MS">Net income</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="center"><FONT STYLE="font-family:Trebuchet MS; ">A</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">209</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">231</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">10</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">450</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">251</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">196</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">2</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">449</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">213</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">216</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">24</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">453</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:arial; font-size:7pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:7pt; font-family:Trebuchet MS">Less: Preferred stock dividends</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">&#151;&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">&#151;&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">23</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">23</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">&#151;&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">&#151;&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">17</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">17</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">&#151;&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">&#151;&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">18</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">18</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
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<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
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<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:arial; font-size:7pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:7pt; font-family:Trebuchet MS">Net income (loss) available to common stockholders</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="center"><FONT STYLE="font-family:Trebuchet MS; ">B</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">209</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">231</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">($</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">13</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">)&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">427</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">251</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">196</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">($</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">15</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">)&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">432</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">213</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">216</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">6</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">435</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:arial; font-size:7pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:7pt; font-family:Trebuchet MS"><B>Return on average total tangible assets:</B></P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:arial; font-size:7pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:7pt; font-family:Trebuchet MS">Average total assets (GAAP)</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">68,069</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">56,407</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">40,170</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">164,646</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">66,365</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">55,614</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">40,131</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">162,110</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">65,485</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">56,135</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">39,869</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">161,489</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:arial; font-size:7pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:7pt; font-family:Trebuchet MS">Less: Average goodwill (GAAP)</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">122</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">46</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">6,876</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">7,044</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">122</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">46</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">6,876</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">7,044</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">119</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">45</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">6,876</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">7,040</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:arial; font-size:7pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:7pt; font-family:Trebuchet MS">Average other intangibles (GAAP)</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">63</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">6</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">&#151;&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">69</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">66</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">7</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">&#151;&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">73</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">73</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">7</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">&#151;&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">80</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:arial; font-size:7pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:7pt; font-family:Trebuchet MS">Add: Average deferred tax liabilities related to goodwill (GAAP)</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">1</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">1</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">371</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">373</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">1</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">1</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">370</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">372</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">&#151;&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">&#151;&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">370</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">370</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:arial; font-size:7pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:7pt; font-family:Trebuchet MS">Average tangible assets</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="center"><FONT STYLE="font-family:Trebuchet MS; ">C</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">67,885</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">56,356</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">33,665</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">157,906</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">66,178</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">55,562</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">33,625</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">155,365</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">65,293</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">56,083</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">33,363</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">154,739</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:arial; font-size:7pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:7pt; font-family:Trebuchet MS">Return on average total tangible assets</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="center"><FONT STYLE="font-family:Trebuchet MS; ">A/C</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">1.22</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">%&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">1.63</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">%&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">NM</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">1.13</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">%&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">1.50</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">%&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">1.40</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">%&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">NM</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">1.15</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">%&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">1.31</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">%&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">1.54</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">%&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">NM</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">1.17</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">%&nbsp;</FONT></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:arial; font-size:7pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:7pt; font-family:Trebuchet MS"><B>Efficiency ratio:</B></P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:arial; font-size:7pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:7pt; font-family:Trebuchet MS">Noninterest expense (GAAP)</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="center"><FONT STYLE="font-family:Trebuchet MS; ">D</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">718</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">219</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">49</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">986</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">718</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">213</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">42</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">973</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">715</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">217</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">19</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">951</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:arial; font-size:7pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:7pt; font-family:Trebuchet MS">Net interest income (GAAP)</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">796</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">363</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">(16</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">)&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">1,143</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">799</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">360</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">(14</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">)&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">1,145</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">799</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">371</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">(4</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">)&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">1,166</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:arial; font-size:7pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:7pt; font-family:Trebuchet MS">Noninterest income (GAAP)</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">296</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">175</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">23</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">494</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">336</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">133</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">24</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">493</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">277</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">149</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">36</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">462</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:arial; font-size:7pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:7pt; font-family:Trebuchet MS">Total revenue (GAAP)</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="center"><FONT STYLE="font-family:Trebuchet MS; ">E</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">1,092</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">538</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">7</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">1,637</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">1,135</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">493</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">10</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">1,638</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">1,076</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">520</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">32</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">1,628</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:arial; font-size:7pt">
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:7pt; font-family:Trebuchet MS">Efficiency ratio</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="center"><FONT STYLE="font-family:Trebuchet MS; ">D/E</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">65.74</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">%&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">40.60</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">%&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">NM</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">60.28</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">%&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">63.28</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">%&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">43.35</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">%&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">NM</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">59.40</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">%&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">66.43</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">%&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">41.58</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">%&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">NM</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">58.41</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">%&nbsp;</FONT></TD></TR>
</TABLE> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:8pt" ALIGN="center">


<TR>

<TD WIDTH="48%"></TD>

<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>

<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>

<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>

<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>

<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>

<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>

<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>

<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>

<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD></TD>
<TD></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:arial; font-size:8pt">
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD COLSPAN="2" VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="14" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><FONT STYLE="font-family:Trebuchet MS; "><B>FIRST QUARTER 2019</B></FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="14" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><FONT STYLE="font-family:Trebuchet MS; "><B>FOURTH QUARTER 2018</B></FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:arial; font-size:8pt">
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD COLSPAN="2" VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><FONT STYLE="font-family:Trebuchet MS; "><B>Consumer<BR>Banking</B></FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><FONT STYLE="font-family:Trebuchet MS; "><B>Commercial<BR>Banking</B></FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><FONT STYLE="font-family:Trebuchet MS; "><B>Other</B></FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><FONT STYLE="font-family:Trebuchet MS; "><B>Consolidated</B></FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><FONT STYLE="font-family:Trebuchet MS; "><B>Consumer<BR>Banking</B></FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><FONT STYLE="font-family:Trebuchet MS; "><B>Commercial<BR>Banking</B></FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><FONT STYLE="font-family:Trebuchet MS; "><B>Other</B></FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><FONT STYLE="font-family:Trebuchet MS; "><B>Consolidated</B></FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>


<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:arial; font-size:8pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:8pt; font-family:Trebuchet MS"><B>Net income (loss) available to common stockholders:</B></P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:arial; font-size:8pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:8pt; font-family:Trebuchet MS">Net income</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="center"><FONT STYLE="font-family:Trebuchet MS; ">A</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">202</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">227</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">10</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">439</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">193</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">241</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">31</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">465</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:arial; font-size:8pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:8pt; font-family:Trebuchet MS">Less: Preferred stock dividends</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">&#151;&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">&#151;&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">15</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">15</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">&#151;&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">&#151;&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">15</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">15</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:arial; font-size:8pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:8pt; font-family:Trebuchet MS">Net income (loss) available to common stockholders</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="center"><FONT STYLE="font-family:Trebuchet MS; ">B</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">202</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">227</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">($</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">5</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">)&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">424</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">193</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">241</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">16</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">450</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:arial; font-size:8pt">
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:8pt; font-family:Trebuchet MS"><B>Return on average total tangible assets:</B></P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:arial; font-size:8pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:8pt; font-family:Trebuchet MS">Average total assets (GAAP)</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">65,007</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">55,630</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">39,778</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">160,415</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">64,187</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">53,970</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">39,575</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">157,732</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:arial; font-size:8pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:8pt; font-family:Trebuchet MS">Less: Average goodwill (GAAP)</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">119</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">23</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">6,876</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">7,018</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">59</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">11</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">6,876</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">6,946</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:arial; font-size:8pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:8pt; font-family:Trebuchet MS">Average other intangibles (GAAP)</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">55</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">4</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">&#151;&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">59</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">30</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">2</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">&#151;&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">32</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:arial; font-size:8pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:8pt; font-family:Trebuchet MS">Add: Average deferred tax liabilities related to goodwill (GAAP)</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">&#151;&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">&#151;&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">368</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">368</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">&#151;&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">&#151;&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">364</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">364</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:arial; font-size:8pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:8pt; font-family:Trebuchet MS">Average tangible assets</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="center"><FONT STYLE="font-family:Trebuchet MS; ">C</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">64,833</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">55,603</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">33,270</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">153,706</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">64,098</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">53,957</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">33,063</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">151,118</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:arial; font-size:8pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:8pt; font-family:Trebuchet MS">Return on average total tangible assets</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="center"><FONT STYLE="font-family:Trebuchet MS; ">A/C</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">1.26</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">%&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">1.66</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">%&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">NM</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">1.16</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">%&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">1.19</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">%&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">1.78</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">%&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">NM</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">1.22</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">%&nbsp;</FONT></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:arial; font-size:10pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:8pt; font-family:Trebuchet MS"><B>Efficiency ratio:</B></P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:arial; font-size:8pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:8pt; font-family:Trebuchet MS">Noninterest expense (GAAP)</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="center"><FONT STYLE="font-family:Trebuchet MS; ">D</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">700</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">209</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">28</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">937</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">723</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">203</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">25</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">951</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:arial; font-size:8pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:8pt; font-family:Trebuchet MS">Net interest income (GAAP)</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">788</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">372</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">&#151;&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">1,160</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">796</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">384</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">(8</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">)&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">1,172</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:arial; font-size:8pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:8pt; font-family:Trebuchet MS">Noninterest income (GAAP)</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">247</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">150</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">31</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">428</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">265</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">140</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">16</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">421</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:arial; font-size:8pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:8pt; font-family:Trebuchet MS">Total revenue (GAAP)</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="center"><FONT STYLE="font-family:Trebuchet MS; ">E</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">1,035</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">522</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">31</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">1,588</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">1,061</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">524</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">8</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">1,593</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:arial; font-size:8pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:8pt; font-family:Trebuchet MS">Efficiency ratio</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="center"><FONT STYLE="font-family:Trebuchet MS; ">D/E</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">67.62</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">%&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">40.11</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">%&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">NM</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">59.00</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">%&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">68.22</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">%&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">38.73</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">%&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">NM</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">59.69</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">%&nbsp;</FONT></TD></TR>
</TABLE>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Trebuchet MS" ALIGN="center">27 </P>


<p Style='page-break-before:always'>
<HR SIZE="3" style="COLOR:#999999" WIDTH="100%" ALIGN="CENTER">

 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Trebuchet MS"><B>KEY PERFORMANCE METRICS, <FONT STYLE="white-space:nowrap">NON-GAAP</FONT> FINANCIAL MEASURES AND RECONCILIATIONS
- SEGMENTS (CONTINUED) </B></P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Trebuchet MS"><B>(in millions, except ratio data) </B></P> <P STYLE="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:8pt" ALIGN="center">


<TR>

<TD WIDTH="48%"></TD>

<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>

<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>

<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>

<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>

<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>

<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
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<TD></TD>

<TD VALIGN="bottom" WIDTH="1%"></TD>
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<TD VALIGN="bottom" WIDTH="1%"></TD>
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<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></TD>
<TD></TD>
<TD></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:arial; font-size:8pt">
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="30" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><FONT STYLE="font-family:Trebuchet MS; "><B>FULL&nbsp;YEAR</B></FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:arial; font-size:8pt">
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="14" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><FONT STYLE="font-family:Trebuchet MS; "><B>2019</B></FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="14" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><FONT STYLE="font-family:Trebuchet MS; "><B>2018</B></FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:arial; font-size:8pt">
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><FONT STYLE="font-family:Trebuchet MS; "><B>Consumer<BR>Banking</B></FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><FONT STYLE="font-family:Trebuchet MS; "><B>Commercial<BR>Banking</B></FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><FONT STYLE="font-family:Trebuchet MS; "><B>Other</B></FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><FONT STYLE="font-family:Trebuchet MS; "><B>Consolidated</B></FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><FONT STYLE="font-family:Trebuchet MS; "><B>Consumer<BR>Banking</B></FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><FONT STYLE="font-family:Trebuchet MS; "><B>Commercial<BR>Banking</B></FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><FONT STYLE="font-family:Trebuchet MS; "><B>Other</B></FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><FONT STYLE="font-family:Trebuchet MS; "><B>Consolidated</B></FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD></TR>


<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:arial; font-size:8pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:8pt; font-family:Trebuchet MS"><B>Net income (loss) available to common stockholders:</B></P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:arial; font-size:8pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:8pt; font-family:Trebuchet MS">Net income</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="center"><FONT STYLE="font-family:Trebuchet MS; ">A</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">875</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">870</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">46</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">1,791</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">767</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">927</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">27</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">1,721</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:arial; font-size:8pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:8pt; font-family:Trebuchet MS">Less: Preferred stock dividends</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">&#151;&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">&#151;&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">73</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">73</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">&#151;&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">&#151;&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">29</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">29</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:arial; font-size:8pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:8pt; font-family:Trebuchet MS">Net income (loss) available to common stockholders</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="center"><FONT STYLE="font-family:Trebuchet MS; ">B</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">875</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">870</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">($</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">27</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">)&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">1,718</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">767</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">927</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">($</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">2</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">)&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">1,692</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:arial; font-size:8pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:8pt; font-family:Trebuchet MS"><B>Return on average total tangible assets:</B></P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:arial; font-size:8pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:8pt; font-family:Trebuchet MS">Average total assets (GAAP)</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">66,240</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">55,947</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">39,989</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">162,176</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">62,444</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">52,362</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">39,747</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">154,553</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:arial; font-size:8pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:8pt; font-family:Trebuchet MS">Less: Average goodwill (GAAP)</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">120</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">40</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">6,876</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">7,036</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">25</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">11</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">6,876</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">6,912</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:arial; font-size:8pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:8pt; font-family:Trebuchet MS">Average other intangibles (GAAP)</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">65</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">6</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">&#151;&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">71</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">12</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">2</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">&#151;&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">14</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:arial; font-size:8pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:8pt; font-family:Trebuchet MS">Add: Average deferred tax liabilities related to goodwill (GAAP)</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">&#151;&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">&#151;&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">371</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">371</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">&#151;&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">&#151;&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">359</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">359</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:arial; font-size:8pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:8pt; font-family:Trebuchet MS">Average tangible assets</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="center"><FONT STYLE="font-family:Trebuchet MS; ">C</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">66,055</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">55,901</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">33,484</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">155,440</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">62,407</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">52,349</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">33,230</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">147,986</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:arial; font-size:8pt">
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:8pt; font-family:Trebuchet MS">Return on average total tangible assets</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="center"><FONT STYLE="font-family:Trebuchet MS; ">A/C</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">1.32</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">%&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">1.56</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">%&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">NM</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">1.15</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">%&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">1.23</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">%&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">1.77</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">%&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">NM</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">1.16</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">%&nbsp;</FONT></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:arial; font-size:8pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:8pt; font-family:Trebuchet MS"><B>Efficiency ratio:</B></P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:arial; font-size:8pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:8pt; font-family:Trebuchet MS">Noninterest expense (GAAP)</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="center"><FONT STYLE="font-family:Trebuchet MS; ">D</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">2,851</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">858</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">138</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">3,847</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">2,723</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">813</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">83</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">3,619</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:arial; font-size:8pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:8pt; font-family:Trebuchet MS">Net interest income (GAAP)</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">3,182</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">1,466</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">(34</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">)&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">4,614</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">3,064</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">1,497</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">(29</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">)&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">4,532</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:arial; font-size:8pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:8pt; font-family:Trebuchet MS">Noninterest income (GAAP)</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">1,156</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">607</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">114</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">1,877</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">973</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">545</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">78</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">1,596</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:arial; font-size:8pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:8pt; font-family:Trebuchet MS">Total revenue (GAAP)</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="center"><FONT STYLE="font-family:Trebuchet MS; ">E</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">4,338</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">2,073</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">80</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">6,491</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">4,037</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">2,042</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">49</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">6,128</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:arial; font-size:8pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:1.00em; text-indent:-1.00em; font-size:8pt; font-family:Trebuchet MS">Efficiency ratio</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="center"><FONT STYLE="font-family:Trebuchet MS; ">D/E</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">65.72</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">%&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">41.38</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">%&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">NM</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">59.28</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">%&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">67.47</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">%&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">39.80</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">%&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">NM</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">59.06</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">%&nbsp;</FONT></TD></TR>
</TABLE>
 <p STYLE="margin-top:0pt;margin-bottom:0pt ; font-size:8pt">&nbsp;</P> <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Trebuchet MS" ALIGN="center">28 </P>

</BODY></HTML>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>EX-101.SCH
<SEQUENCE>3
<FILENAME>cfg-20200203.xsd
<DESCRIPTION>XBRL TAXONOMY EXTENSION SCHEMA
<TEXT>
<XBRL>
<?xml version="1.0" encoding="us-ascii"?>
<!-- DFIN - https://www.dfinsolutions.com/ -->
<!-- CTU Version: Addin 62.6.8.17 - Release 2019.5 -->
<!-- Creation date: 2/3/2020 12:17:59 PM Eastern Time -->
<!-- Copyright (c) 2020 Donnelley Financial Solutions, Inc. All Rights Reserved. -->
<xsd:schema
  xmlns:nonnum="http://www.xbrl.org/dtr/type/non-numeric"
  xmlns:num="http://www.xbrl.org/dtr/type/numeric"
  xmlns:us-types="http://fasb.org/us-types/2019-01-31"
  xmlns:cfg="http://www.citizensbank.com/20200203"
  xmlns:dei="http://xbrl.sec.gov/dei/2019-01-31"
  xmlns:xbrli="http://www.xbrl.org/2003/instance"
  xmlns:link="http://www.xbrl.org/2003/linkbase"
  xmlns:xlink="http://www.w3.org/1999/xlink"
  xmlns:xbrldt="http://xbrl.org/2005/xbrldt"
  xmlns:sic="http://xbrl.sec.gov/sic/2011-01-31"
  xmlns:us-gaap="http://fasb.org/us-gaap/2019-01-31"
  attributeFormDefault="unqualified"
  elementFormDefault="qualified"
  targetNamespace="http://www.citizensbank.com/20200203"
  xmlns:xsd="http://www.w3.org/2001/XMLSchema">
    <xsd:import schemaLocation="http://www.xbrl.org/2003/xbrl-instance-2003-12-31.xsd" namespace="http://www.xbrl.org/2003/instance" />
    <xsd:import schemaLocation="http://www.xbrl.org/2003/xbrl-linkbase-2003-12-31.xsd" namespace="http://www.xbrl.org/2003/linkbase" />
    <xsd:import schemaLocation="https://xbrl.sec.gov/dei/2019/dei-2019-01-31.xsd" namespace="http://xbrl.sec.gov/dei/2019-01-31" />
    <xsd:import schemaLocation="http://www.xbrl.org/dtr/type/numeric-2009-12-16.xsd" namespace="http://www.xbrl.org/dtr/type/numeric" />
    <xsd:import schemaLocation="http://www.xbrl.org/dtr/type/nonNumeric-2009-12-16.xsd" namespace="http://www.xbrl.org/dtr/type/non-numeric" />
    <xsd:import schemaLocation="http://xbrl.sec.gov/sic/2011/sic-2011-01-31.xsd" namespace="http://xbrl.sec.gov/sic/2011-01-31" />
    <xsd:import schemaLocation="https://xbrl.sec.gov/naics/2017/naics-2017-01-31.xsd" namespace="http://xbrl.sec.gov/naics/2017-01-31" />
    <xsd:import schemaLocation="http://www.xbrl.org/2005/xbrldt-2005.xsd" namespace="http://xbrl.org/2005/xbrldt" />
    <xsd:import schemaLocation="http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-2019-01-31.xsd" namespace="http://fasb.org/us-gaap/2019-01-31" />
    <xsd:import schemaLocation="http://xbrl.fasb.org/us-gaap/2019/elts/us-types-2019-01-31.xsd" namespace="http://fasb.org/us-types/2019-01-31" />
  <xsd:annotation>
    <xsd:appinfo>
      <link:linkbaseRef xlink:arcrole="http://www.w3.org/1999/xlink/properties/linkbase" xlink:href="cfg-20200203_lab.xml" xlink:role="http://www.xbrl.org/2003/role/labelLinkbaseRef" xlink:title="Label Links, all" xlink:type="simple" />
      <link:linkbaseRef xlink:arcrole="http://www.w3.org/1999/xlink/properties/linkbase" xlink:href="cfg-20200203_pre.xml" xlink:role="http://www.xbrl.org/2003/role/presentationLinkbaseRef" xlink:title="Presentation Links, all" xlink:type="simple" />
      <link:linkbaseRef xlink:arcrole="http://www.w3.org/1999/xlink/properties/linkbase" xlink:href="cfg-20200203_def.xml" xlink:role="http://www.xbrl.org/2003/role/definitionLinkbaseRef" xlink:title="Definition Links, all" xlink:type="simple" />
      <link:roleType roleURI="http://www.citizensbank.com//20200203/taxonomy/role/DocumentDocumentAndEntityInformation" id="Role_DocumentDocumentAndEntityInformation">
        <link:definition>100000 - Document - Document and Entity Information</link:definition>
        <link:usedOn>link:calculationLink</link:usedOn>
        <link:usedOn>link:presentationLink</link:usedOn>
        <link:usedOn>link:definitionLink</link:usedOn>
      </link:roleType>
    </xsd:appinfo>
  </xsd:annotation>
  <xsd:element id="cfg_DocumentAndEntityInformationTable" name="DocumentAndEntityInformationTable" type="xbrli:stringItemType" substitutionGroup="xbrldt:hypercubeItem" xbrli:periodType="duration" nillable="true" abstract="true" />
  <xsd:element id="cfg_DocumentAndEntityInformationLineItems" name="DocumentAndEntityInformationLineItems" type="xbrli:stringItemType" substitutionGroup="xbrli:item" xbrli:periodType="duration" nillable="true" abstract="true" />
</xsd:schema>
</XBRL>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>EX-101.DEF
<SEQUENCE>4
<FILENAME>cfg-20200203_def.xml
<DESCRIPTION>XBRL TAXONOMY EXTENSION DEFINITION LINKBASE
<TEXT>
<XBRL>
<?xml version="1.0" encoding="us-ascii"?>
<!-- DFIN - https://www.dfinsolutions.com/ -->
<!-- CTU Version: Addin 62.6.8.17 - Release 2019.5 -->
<!-- Creation date: 2/3/2020 12:18:04 PM Eastern Time -->
<!-- Copyright (c) 2020 Donnelley Financial Solutions, Inc. All Rights Reserved. -->
<linkbase xmlns="http://www.xbrl.org/2003/linkbase" xmlns:link="http://www.xbrl.org/2003/linkbase" xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance" xmlns:xlink="http://www.w3.org/1999/xlink" xmlns:xbrldt="http://xbrl.org/2005/xbrldt" xsi:schemaLocation="http://www.xbrl.org/2003/linkbase http://www.xbrl.org/2003/xbrl-linkbase-2003-12-31.xsd">
  <arcroleRef xlink:type="simple" xlink:href="http://www.xbrl.org/2005/xbrldt-2005.xsd#all" arcroleURI="http://xbrl.org/int/dim/arcrole/all" />
  <arcroleRef xlink:type="simple" xlink:href="http://www.xbrl.org/2005/xbrldt-2005.xsd#dimension-default" arcroleURI="http://xbrl.org/int/dim/arcrole/dimension-default" />
  <arcroleRef xlink:type="simple" xlink:href="http://www.xbrl.org/2005/xbrldt-2005.xsd#dimension-domain" arcroleURI="http://xbrl.org/int/dim/arcrole/dimension-domain" />
  <arcroleRef xlink:type="simple" xlink:href="http://www.xbrl.org/2005/xbrldt-2005.xsd#domain-member" arcroleURI="http://xbrl.org/int/dim/arcrole/domain-member" />
  <arcroleRef xlink:type="simple" xlink:href="http://www.xbrl.org/2005/xbrldt-2005.xsd#hypercube-dimension" arcroleURI="http://xbrl.org/int/dim/arcrole/hypercube-dimension" />
  <link:roleRef roleURI="http://www.citizensbank.com//20200203/taxonomy/role/DocumentDocumentAndEntityInformation" xlink:href="cfg-20200203.xsd#Role_DocumentDocumentAndEntityInformation" xlink:type="simple" />
  <link:definitionLink xlink:type="extended" xlink:role="http://www.citizensbank.com//20200203/taxonomy/role/DocumentDocumentAndEntityInformation">
    <link:loc xlink:href="cfg-20200203.xsd#cfg_DocumentAndEntityInformationTable" xlink:type="locator" xlink:label="cfg_DocumentAndEntityInformationTable" />
    <link:loc xlink:href="cfg-20200203.xsd#cfg_DocumentAndEntityInformationLineItems" xlink:type="locator" xlink:label="cfg_DocumentAndEntityInformationLineItems" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-2019-01-31.xsd#us-gaap_StatementClassOfStockAxis" xlink:type="locator" xlink:label="us-gaap_StatementClassOfStockAxis" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-2019-01-31.xsd#us-gaap_ClassOfStockDomain" xlink:type="locator" xlink:label="us-gaap_ClassOfStockDomain" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-2019-01-31.xsd#us-gaap_ClassOfStockDomain" xlink:type="locator" xlink:label="us-gaap_ClassOfStockDomain_2" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-2019-01-31.xsd#us-gaap_CommonStockMember" xlink:type="locator" xlink:label="us-gaap_CommonStockMember" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-2019-01-31.xsd#us-gaap_SeriesDPreferredStockMember" xlink:type="locator" xlink:label="us-gaap_SeriesDPreferredStockMember" />
    <link:loc xlink:href="http://xbrl.fasb.org/us-gaap/2019/elts/us-gaap-2019-01-31.xsd#us-gaap_SeriesEPreferredStockMember" xlink:type="locator" xlink:label="us-gaap_SeriesEPreferredStockMember" />
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2019/dei-2019-01-31.xsd#dei_EntityRegistrantName" xlink:type="locator" xlink:label="dei_EntityRegistrantName" />
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2019/dei-2019-01-31.xsd#dei_AmendmentFlag" xlink:type="locator" xlink:label="dei_AmendmentFlag" />
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2019/dei-2019-01-31.xsd#dei_EntityCentralIndexKey" xlink:type="locator" xlink:label="dei_EntityCentralIndexKey" />
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2019/dei-2019-01-31.xsd#dei_DocumentType" xlink:type="locator" xlink:label="dei_DocumentType" />
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2019/dei-2019-01-31.xsd#dei_DocumentPeriodEndDate" xlink:type="locator" xlink:label="dei_DocumentPeriodEndDate" />
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2019/dei-2019-01-31.xsd#dei_EntityIncorporationStateCountryCode" xlink:type="locator" xlink:label="dei_EntityIncorporationStateCountryCode" />
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2019/dei-2019-01-31.xsd#dei_EntityFileNumber" xlink:type="locator" xlink:label="dei_EntityFileNumber" />
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2019/dei-2019-01-31.xsd#dei_EntityTaxIdentificationNumber" xlink:type="locator" xlink:label="dei_EntityTaxIdentificationNumber" />
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2019/dei-2019-01-31.xsd#dei_EntityAddressAddressLine1" xlink:type="locator" xlink:label="dei_EntityAddressAddressLine1" />
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2019/dei-2019-01-31.xsd#dei_EntityAddressCityOrTown" xlink:type="locator" xlink:label="dei_EntityAddressCityOrTown" />
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2019/dei-2019-01-31.xsd#dei_EntityAddressStateOrProvince" xlink:type="locator" xlink:label="dei_EntityAddressStateOrProvince" />
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2019/dei-2019-01-31.xsd#dei_EntityAddressPostalZipCode" xlink:type="locator" xlink:label="dei_EntityAddressPostalZipCode" />
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2019/dei-2019-01-31.xsd#dei_CityAreaCode" xlink:type="locator" xlink:label="dei_CityAreaCode" />
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2019/dei-2019-01-31.xsd#dei_LocalPhoneNumber" xlink:type="locator" xlink:label="dei_LocalPhoneNumber" />
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2019/dei-2019-01-31.xsd#dei_WrittenCommunications" xlink:type="locator" xlink:label="dei_WrittenCommunications" />
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2019/dei-2019-01-31.xsd#dei_SolicitingMaterial" xlink:type="locator" xlink:label="dei_SolicitingMaterial" />
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2019/dei-2019-01-31.xsd#dei_PreCommencementTenderOffer" xlink:type="locator" xlink:label="dei_PreCommencementTenderOffer" />
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2019/dei-2019-01-31.xsd#dei_PreCommencementIssuerTenderOffer" xlink:type="locator" xlink:label="dei_PreCommencementIssuerTenderOffer" />
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2019/dei-2019-01-31.xsd#dei_Security12bTitle" xlink:type="locator" xlink:label="dei_Security12bTitle" />
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2019/dei-2019-01-31.xsd#dei_TradingSymbol" xlink:type="locator" xlink:label="dei_TradingSymbol" />
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2019/dei-2019-01-31.xsd#dei_SecurityExchangeName" xlink:type="locator" xlink:label="dei_SecurityExchangeName" />
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2019/dei-2019-01-31.xsd#dei_EntityEmergingGrowthCompany" xlink:type="locator" xlink:label="dei_EntityEmergingGrowthCompany" />
    <definitionArc xlink:type="arc" xlink:arcrole="http://xbrl.org/int/dim/arcrole/all" xlink:from="cfg_DocumentAndEntityInformationLineItems" xlink:to="cfg_DocumentAndEntityInformationTable" order="1" priority="2" use="optional" xbrldt:contextElement="segment" xbrldt:closed="true" />
    <definitionArc xlink:type="arc" xlink:arcrole="http://xbrl.org/int/dim/arcrole/hypercube-dimension" xlink:from="cfg_DocumentAndEntityInformationTable" xlink:to="us-gaap_StatementClassOfStockAxis" order="1" priority="2" use="optional" />
    <definitionArc xlink:type="arc" xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-domain" xlink:from="us-gaap_StatementClassOfStockAxis" xlink:to="us-gaap_ClassOfStockDomain" order="23" priority="2" use="optional" />
    <definitionArc xlink:type="arc" xlink:arcrole="http://xbrl.org/int/dim/arcrole/dimension-default" xlink:from="us-gaap_StatementClassOfStockAxis" xlink:to="us-gaap_ClassOfStockDomain_2" order="23.0001" priority="2" use="optional" />
    <definitionArc xlink:type="arc" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="us-gaap_ClassOfStockDomain" xlink:to="us-gaap_CommonStockMember" order="24" priority="2" use="optional" />
    <definitionArc xlink:type="arc" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="us-gaap_ClassOfStockDomain" xlink:to="us-gaap_SeriesDPreferredStockMember" order="25" priority="2" use="optional" />
    <definitionArc xlink:type="arc" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="us-gaap_ClassOfStockDomain" xlink:to="us-gaap_SeriesEPreferredStockMember" order="26" priority="2" use="optional" />
    <definitionArc xlink:type="arc" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="cfg_DocumentAndEntityInformationLineItems" xlink:to="dei_EntityRegistrantName" order="28.001" priority="2" use="optional" />
    <definitionArc xlink:type="arc" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="cfg_DocumentAndEntityInformationLineItems" xlink:to="dei_AmendmentFlag" order="29.001" priority="2" use="optional" />
    <definitionArc xlink:type="arc" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="cfg_DocumentAndEntityInformationLineItems" xlink:to="dei_EntityCentralIndexKey" order="30.001" priority="2" use="optional" />
    <definitionArc xlink:type="arc" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="cfg_DocumentAndEntityInformationLineItems" xlink:to="dei_DocumentType" order="36.001" priority="2" use="optional" />
    <definitionArc xlink:type="arc" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="cfg_DocumentAndEntityInformationLineItems" xlink:to="dei_DocumentPeriodEndDate" order="37.001" priority="2" use="optional" />
    <definitionArc xlink:type="arc" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="cfg_DocumentAndEntityInformationLineItems" xlink:to="dei_EntityIncorporationStateCountryCode" order="38.001" priority="2" use="optional" />
    <definitionArc xlink:type="arc" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="cfg_DocumentAndEntityInformationLineItems" xlink:to="dei_EntityFileNumber" order="39.001" priority="2" use="optional" />
    <definitionArc xlink:type="arc" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="cfg_DocumentAndEntityInformationLineItems" xlink:to="dei_EntityTaxIdentificationNumber" order="40.001" priority="2" use="optional" />
    <definitionArc xlink:type="arc" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="cfg_DocumentAndEntityInformationLineItems" xlink:to="dei_EntityAddressAddressLine1" order="41.001" priority="2" use="optional" />
    <definitionArc xlink:type="arc" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="cfg_DocumentAndEntityInformationLineItems" xlink:to="dei_EntityAddressCityOrTown" order="42.001" priority="2" use="optional" />
    <definitionArc xlink:type="arc" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="cfg_DocumentAndEntityInformationLineItems" xlink:to="dei_EntityAddressStateOrProvince" order="43.001" priority="2" use="optional" />
    <definitionArc xlink:type="arc" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="cfg_DocumentAndEntityInformationLineItems" xlink:to="dei_EntityAddressPostalZipCode" order="44.001" priority="2" use="optional" />
    <definitionArc xlink:type="arc" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="cfg_DocumentAndEntityInformationLineItems" xlink:to="dei_CityAreaCode" order="45.001" priority="2" use="optional" />
    <definitionArc xlink:type="arc" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="cfg_DocumentAndEntityInformationLineItems" xlink:to="dei_LocalPhoneNumber" order="46.001" priority="2" use="optional" />
    <definitionArc xlink:type="arc" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="cfg_DocumentAndEntityInformationLineItems" xlink:to="dei_WrittenCommunications" order="47.001" priority="2" use="optional" />
    <definitionArc xlink:type="arc" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="cfg_DocumentAndEntityInformationLineItems" xlink:to="dei_SolicitingMaterial" order="48.001" priority="2" use="optional" />
    <definitionArc xlink:type="arc" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="cfg_DocumentAndEntityInformationLineItems" xlink:to="dei_PreCommencementTenderOffer" order="49.001" priority="2" use="optional" />
    <definitionArc xlink:type="arc" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="cfg_DocumentAndEntityInformationLineItems" xlink:to="dei_PreCommencementIssuerTenderOffer" order="50.001" priority="2" use="optional" />
    <definitionArc xlink:type="arc" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="cfg_DocumentAndEntityInformationLineItems" xlink:to="dei_Security12bTitle" order="51.001" priority="2" use="optional" />
    <definitionArc xlink:type="arc" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="cfg_DocumentAndEntityInformationLineItems" xlink:to="dei_TradingSymbol" order="52.001" priority="2" use="optional" />
    <definitionArc xlink:type="arc" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="cfg_DocumentAndEntityInformationLineItems" xlink:to="dei_SecurityExchangeName" order="53.001" priority="2" use="optional" />
    <definitionArc xlink:type="arc" xlink:arcrole="http://xbrl.org/int/dim/arcrole/domain-member" xlink:from="cfg_DocumentAndEntityInformationLineItems" xlink:to="dei_EntityEmergingGrowthCompany" order="54.001" priority="2" use="optional" />
  </link:definitionLink>
</linkbase>
</XBRL>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>EX-101.LAB
<SEQUENCE>5
<FILENAME>cfg-20200203_lab.xml
<DESCRIPTION>XBRL TAXONOMY EXTENSION LABEL LINKBASE
<TEXT>
<XBRL>
<?xml version="1.0" encoding="us-ascii" standalone="yes"?>
<!-- DFIN - https://www.dfinsolutions.com/ -->
<!-- CTU Version: Addin 62.6.8.17 - Release 2019.5 -->
<!-- Creation date: 2/3/2020 12:17:59 PM Eastern Time -->
<!-- Copyright (c) 2020 Donnelley Financial Solutions, Inc. All Rights Reserved. -->
<link:linkbase
  xmlns:link="http://www.xbrl.org/2003/linkbase"
  xmlns:xlink="http://www.w3.org/1999/xlink"
  xmlns:xsi="http://www.w3.org/2001/XMLSchema-instance"
  xsi:schemaLocation="http://www.xbrl.org/2003/linkbase http://www.xbrl.org/2003/xbrl-linkbase-2003-12-31.xsd">
  <link:labelLink xlink:role="http://www.xbrl.org/2003/role/link" xlink:type="extended">
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2019/dei-2019-01-31.xsd#dei_CoverAbstract" xlink:type="locator" xlink:label="dei_CoverAbstract" />
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_CoverAbstract" xlink:to="dei_CoverAbstract_lbl" />
    <link:label xml:lang="en-US" xlink:label="dei_CoverAbstract_lbl" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label">Cover [Abstract]</link:label>
    <link:label xml:lang="en-US" xlink:label="dei_CoverAbstract_lbl" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel">Cover [Abstract]</link:label>
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2019/dei-2019-01-31.xsd#dei_EntityRegistrantName" xlink:type="locator" xlink:label="dei_EntityRegistrantName" />
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_EntityRegistrantName" xlink:to="dei_EntityRegistrantName_lbl" />
    <link:label xml:lang="en-US" xlink:label="dei_EntityRegistrantName_lbl" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label">Entity Registrant Name</link:label>
    <link:label xml:lang="en-US" xlink:label="dei_EntityRegistrantName_lbl" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel">Entity Registrant Name</link:label>
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2019/dei-2019-01-31.xsd#dei_AmendmentFlag" xlink:type="locator" xlink:label="dei_AmendmentFlag" />
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_AmendmentFlag" xlink:to="dei_AmendmentFlag_lbl" />
    <link:label xml:lang="en-US" xlink:label="dei_AmendmentFlag_lbl" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label">Amendment Flag</link:label>
    <link:label xml:lang="en-US" xlink:label="dei_AmendmentFlag_lbl" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel">Amendment Flag</link:label>
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2019/dei-2019-01-31.xsd#dei_EntityCentralIndexKey" xlink:type="locator" xlink:label="dei_EntityCentralIndexKey" />
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_EntityCentralIndexKey" xlink:to="dei_EntityCentralIndexKey_lbl" />
    <link:label xml:lang="en-US" xlink:label="dei_EntityCentralIndexKey_lbl" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label">Entity Central Index Key</link:label>
    <link:label xml:lang="en-US" xlink:label="dei_EntityCentralIndexKey_lbl" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel">Entity Central Index Key</link:label>
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2019/dei-2019-01-31.xsd#dei_DocumentType" xlink:type="locator" xlink:label="dei_DocumentType" />
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_DocumentType" xlink:to="dei_DocumentType_lbl" />
    <link:label xml:lang="en-US" xlink:label="dei_DocumentType_lbl" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label">Document Type</link:label>
    <link:label xml:lang="en-US" xlink:label="dei_DocumentType_lbl" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel">Document Type</link:label>
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2019/dei-2019-01-31.xsd#dei_DocumentPeriodEndDate" xlink:type="locator" xlink:label="dei_DocumentPeriodEndDate" />
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_DocumentPeriodEndDate" xlink:to="dei_DocumentPeriodEndDate_lbl" />
    <link:label xml:lang="en-US" xlink:label="dei_DocumentPeriodEndDate_lbl" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label">Document Period End Date</link:label>
    <link:label xml:lang="en-US" xlink:label="dei_DocumentPeriodEndDate_lbl" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel">Document Period End Date</link:label>
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2019/dei-2019-01-31.xsd#dei_EntityIncorporationStateCountryCode" xlink:type="locator" xlink:label="dei_EntityIncorporationStateCountryCode" />
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_EntityIncorporationStateCountryCode" xlink:to="dei_EntityIncorporationStateCountryCode_lbl" />
    <link:label xml:lang="en-US" xlink:label="dei_EntityIncorporationStateCountryCode_lbl" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label">Entity Incorporation State Country Code</link:label>
    <link:label xml:lang="en-US" xlink:label="dei_EntityIncorporationStateCountryCode_lbl" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel">Entity Incorporation State Country Code</link:label>
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2019/dei-2019-01-31.xsd#dei_EntityFileNumber" xlink:type="locator" xlink:label="dei_EntityFileNumber" />
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_EntityFileNumber" xlink:to="dei_EntityFileNumber_lbl" />
    <link:label xml:lang="en-US" xlink:label="dei_EntityFileNumber_lbl" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label">Entity File Number</link:label>
    <link:label xml:lang="en-US" xlink:label="dei_EntityFileNumber_lbl" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel">Entity File Number</link:label>
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2019/dei-2019-01-31.xsd#dei_EntityTaxIdentificationNumber" xlink:type="locator" xlink:label="dei_EntityTaxIdentificationNumber" />
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_EntityTaxIdentificationNumber" xlink:to="dei_EntityTaxIdentificationNumber_lbl" />
    <link:label xml:lang="en-US" xlink:label="dei_EntityTaxIdentificationNumber_lbl" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label">Entity Tax Identification Number</link:label>
    <link:label xml:lang="en-US" xlink:label="dei_EntityTaxIdentificationNumber_lbl" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel">Entity Tax Identification Number</link:label>
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2019/dei-2019-01-31.xsd#dei_EntityAddressAddressLine1" xlink:type="locator" xlink:label="dei_EntityAddressAddressLine1" />
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_EntityAddressAddressLine1" xlink:to="dei_EntityAddressAddressLine1_lbl" />
    <link:label xml:lang="en-US" xlink:label="dei_EntityAddressAddressLine1_lbl" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label">Entity Address, Address Line One</link:label>
    <link:label xml:lang="en-US" xlink:label="dei_EntityAddressAddressLine1_lbl" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel">Entity Address, Address Line One</link:label>
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2019/dei-2019-01-31.xsd#dei_EntityAddressCityOrTown" xlink:type="locator" xlink:label="dei_EntityAddressCityOrTown" />
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_EntityAddressCityOrTown" xlink:to="dei_EntityAddressCityOrTown_lbl" />
    <link:label xml:lang="en-US" xlink:label="dei_EntityAddressCityOrTown_lbl" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label">Entity Address, City or Town</link:label>
    <link:label xml:lang="en-US" xlink:label="dei_EntityAddressCityOrTown_lbl" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel">Entity Address, City or Town</link:label>
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2019/dei-2019-01-31.xsd#dei_EntityAddressStateOrProvince" xlink:type="locator" xlink:label="dei_EntityAddressStateOrProvince" />
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_EntityAddressStateOrProvince" xlink:to="dei_EntityAddressStateOrProvince_lbl" />
    <link:label xml:lang="en-US" xlink:label="dei_EntityAddressStateOrProvince_lbl" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label">Entity Address, State or Province</link:label>
    <link:label xml:lang="en-US" xlink:label="dei_EntityAddressStateOrProvince_lbl" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel">Entity Address, State or Province</link:label>
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2019/dei-2019-01-31.xsd#dei_EntityAddressPostalZipCode" xlink:type="locator" xlink:label="dei_EntityAddressPostalZipCode" />
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_EntityAddressPostalZipCode" xlink:to="dei_EntityAddressPostalZipCode_lbl" />
    <link:label xml:lang="en-US" xlink:label="dei_EntityAddressPostalZipCode_lbl" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label">Entity Address, Postal Zip Code</link:label>
    <link:label xml:lang="en-US" xlink:label="dei_EntityAddressPostalZipCode_lbl" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel">Entity Address, Postal Zip Code</link:label>
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2019/dei-2019-01-31.xsd#dei_CityAreaCode" xlink:type="locator" xlink:label="dei_CityAreaCode" />
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_CityAreaCode" xlink:to="dei_CityAreaCode_lbl" />
    <link:label xml:lang="en-US" xlink:label="dei_CityAreaCode_lbl" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label">City Area Code</link:label>
    <link:label xml:lang="en-US" xlink:label="dei_CityAreaCode_lbl" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel">City Area Code</link:label>
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2019/dei-2019-01-31.xsd#dei_LocalPhoneNumber" xlink:type="locator" xlink:label="dei_LocalPhoneNumber" />
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_LocalPhoneNumber" xlink:to="dei_LocalPhoneNumber_lbl" />
    <link:label xml:lang="en-US" xlink:label="dei_LocalPhoneNumber_lbl" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label">Local Phone Number</link:label>
    <link:label xml:lang="en-US" xlink:label="dei_LocalPhoneNumber_lbl" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel">Local Phone Number</link:label>
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2019/dei-2019-01-31.xsd#dei_WrittenCommunications" xlink:type="locator" xlink:label="dei_WrittenCommunications" />
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_WrittenCommunications" xlink:to="dei_WrittenCommunications_lbl" />
    <link:label xml:lang="en-US" xlink:label="dei_WrittenCommunications_lbl" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label">Written Communications</link:label>
    <link:label xml:lang="en-US" xlink:label="dei_WrittenCommunications_lbl" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel">Written Communications</link:label>
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2019/dei-2019-01-31.xsd#dei_SolicitingMaterial" xlink:type="locator" xlink:label="dei_SolicitingMaterial" />
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_SolicitingMaterial" xlink:to="dei_SolicitingMaterial_lbl" />
    <link:label xml:lang="en-US" xlink:label="dei_SolicitingMaterial_lbl" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label">Soliciting Material</link:label>
    <link:label xml:lang="en-US" xlink:label="dei_SolicitingMaterial_lbl" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel">Soliciting Material</link:label>
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2019/dei-2019-01-31.xsd#dei_PreCommencementTenderOffer" xlink:type="locator" xlink:label="dei_PreCommencementTenderOffer" />
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_PreCommencementTenderOffer" xlink:to="dei_PreCommencementTenderOffer_lbl" />
    <link:label xml:lang="en-US" xlink:label="dei_PreCommencementTenderOffer_lbl" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label">Pre Commencement Tender Offer</link:label>
    <link:label xml:lang="en-US" xlink:label="dei_PreCommencementTenderOffer_lbl" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel">Pre Commencement Tender Offer</link:label>
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2019/dei-2019-01-31.xsd#dei_PreCommencementIssuerTenderOffer" xlink:type="locator" xlink:label="dei_PreCommencementIssuerTenderOffer" />
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_PreCommencementIssuerTenderOffer" xlink:to="dei_PreCommencementIssuerTenderOffer_lbl" />
    <link:label xml:lang="en-US" xlink:label="dei_PreCommencementIssuerTenderOffer_lbl" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label">Pre Commencement Issuer Tender Offer</link:label>
    <link:label xml:lang="en-US" xlink:label="dei_PreCommencementIssuerTenderOffer_lbl" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel">Pre Commencement Issuer Tender Offer</link:label>
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2019/dei-2019-01-31.xsd#dei_Security12bTitle" xlink:type="locator" xlink:label="dei_Security12bTitle" />
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_Security12bTitle" xlink:to="dei_Security12bTitle_lbl" />
    <link:label xml:lang="en-US" xlink:label="dei_Security12bTitle_lbl" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label">Security 12b Title</link:label>
    <link:label xml:lang="en-US" xlink:label="dei_Security12bTitle_lbl" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel">Security 12b Title</link:label>
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2019/dei-2019-01-31.xsd#dei_TradingSymbol" xlink:type="locator" xlink:label="dei_TradingSymbol" />
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_TradingSymbol" xlink:to="dei_TradingSymbol_lbl" />
    <link:label xml:lang="en-US" xlink:label="dei_TradingSymbol_lbl" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label">Trading Symbol</link:label>
    <link:label xml:lang="en-US" xlink:label="dei_TradingSymbol_lbl" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel">Trading Symbol</link:label>
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2019/dei-2019-01-31.xsd#dei_SecurityExchangeName" xlink:type="locator" xlink:label="dei_SecurityExchangeName" />
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_SecurityExchangeName" xlink:to="dei_SecurityExchangeName_lbl" />
    <link:label xml:lang="en-US" xlink:label="dei_SecurityExchangeName_lbl" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label">Security Exchange Name</link:label>
    <link:label xml:lang="en-US" xlink:label="dei_SecurityExchangeName_lbl" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel">Security Exchange Name</link:label>
    <link:loc xlink:href="https://xbrl.sec.gov/dei/2019/dei-2019-01-31.xsd#dei_EntityEmergingGrowthCompany" xlink:type="locator" xlink:label="dei_EntityEmergingGrowthCompany" />
    <link:labelArc xlink:type="arc" xlink:arcrole="http://www.xbrl.org/2003/arcrole/concept-label" xlink:from="dei_EntityEmergingGrowthCompany" xlink:to="dei_EntityEmergingGrowthCompany_lbl" />
    <link:label xml:lang="en-US" xlink:label="dei_EntityEmergingGrowthCompany_lbl" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/label">Entity Emerging Growth Company</link:label>
    <link:label xml:lang="en-US" xlink:label="dei_EntityEmergingGrowthCompany_lbl" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel">Entity Emerging Growth Company</link:label>
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    <link:label xml:lang="en-US" xlink:label="cfg_DocumentAndEntityInformationTable_lbl" xlink:type="resource" xlink:role="http://www.xbrl.org/2003/role/terseLabel">Document And Entity Information [Table]</link:label>
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</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>EX-101.PRE
<SEQUENCE>6
<FILENAME>cfg-20200203_pre.xml
<DESCRIPTION>XBRL TAXONOMY EXTENSION PRESENTATION LINKBASE
<TEXT>
<XBRL>
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<DOCUMENT>
<TYPE>GRAPHIC
<SEQUENCE>7
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<DESCRIPTION>GRAPHIC
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end
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>ZIP
<SEQUENCE>9
<FILENAME>0001193125-20-022384-xbrl.zip
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
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<DOCUMENT>
<TYPE>XML
<SEQUENCE>11
<FILENAME>R1.htm
<DESCRIPTION>IDEA: XBRL DOCUMENT
<TEXT>
<html>
<head>
<title></title>
<link rel="stylesheet" type="text/css" href="report.css">
<script type="text/javascript" src="Show.js">/* Do Not Remove This Comment */</script><script type="text/javascript">
							function toggleNextSibling (e) {
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<body>
<span style="display: none;">v3.19.3.a.u2</span><table class="report" border="0" cellspacing="2" id="idp6663129056">
<tr>
<th class="tl" colspan="1" rowspan="1"><div style="width: 200px;"><strong>Document and Entity Information<br></strong></div></th>
<th class="th"><div>Feb. 03, 2020</div></th>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_cfg_DocumentAndEntityInformationLineItems', window );"><strong>Document And Entity Information [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_EntityRegistrantName', window );">Entity Registrant Name</a></td>
<td class="text">CITIZENS FINANCIAL GROUP INC/RI<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_AmendmentFlag', window );">Amendment Flag</a></td>
<td class="text">false<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_EntityCentralIndexKey', window );">Entity Central Index Key</a></td>
<td class="text">0000759944<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_DocumentType', window );">Document Type</a></td>
<td class="text">8-K<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_DocumentPeriodEndDate', window );">Document Period End Date</a></td>
<td class="text">Feb.  03,  2020<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_EntityIncorporationStateCountryCode', window );">Entity Incorporation State Country Code</a></td>
<td class="text">DE<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_EntityFileNumber', window );">Entity File Number</a></td>
<td class="text">001-36636<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_EntityTaxIdentificationNumber', window );">Entity Tax Identification Number</a></td>
<td class="text">05-0412693<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_EntityAddressAddressLine1', window );">Entity Address, Address Line One</a></td>
<td class="text">One Citizens Plaza<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_EntityAddressCityOrTown', window );">Entity Address, City or Town</a></td>
<td class="text">Providence<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_EntityAddressStateOrProvince', window );">Entity Address, State or Province</a></td>
<td class="text">RI<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_EntityAddressPostalZipCode', window );">Entity Address, Postal Zip Code</a></td>
<td class="text">02903<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_CityAreaCode', window );">City Area Code</a></td>
<td class="text">(401)<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_LocalPhoneNumber', window );">Local Phone Number</a></td>
<td class="text">456-7000<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_WrittenCommunications', window );">Written Communications</a></td>
<td class="text">false<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_SolicitingMaterial', window );">Soliciting Material</a></td>
<td class="text">false<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_PreCommencementTenderOffer', window );">Pre Commencement Tender Offer</a></td>
<td class="text">false<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_PreCommencementIssuerTenderOffer', window );">Pre Commencement Issuer Tender Offer</a></td>
<td class="text">false<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_EntityEmergingGrowthCompany', window );">Entity Emerging Growth Company</a></td>
<td class="text">false<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_StatementClassOfStockAxis=us-gaap_CommonStockMember', window );">Common Stock [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_cfg_DocumentAndEntityInformationLineItems', window );"><strong>Document And Entity Information [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_Security12bTitle', window );">Security 12b Title</a></td>
<td class="text">Common stock, $0.01 par value per share<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_TradingSymbol', window );">Trading Symbol</a></td>
<td class="text">CFG<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_SecurityExchangeName', window );">Security Exchange Name</a></td>
<td class="text">NYSE<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_StatementClassOfStockAxis=us-gaap_SeriesDPreferredStockMember', window );">Series D Preferred Stock [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_cfg_DocumentAndEntityInformationLineItems', window );"><strong>Document And Entity Information [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_Security12bTitle', window );">Security 12b Title</a></td>
<td class="text">Depositary Shares, each representing a 1/40th interest in a share of 6.350% Fixed-to-Floating Rate Non-Cumulative Perpetual Preferred Stock, Series D<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_TradingSymbol', window );">Trading Symbol</a></td>
<td class="text">CFG PrD<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_SecurityExchangeName', window );">Security Exchange Name</a></td>
<td class="text">NYSE<span></span>
</td>
</tr>
<tr class="rh">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_us-gaap_StatementClassOfStockAxis=us-gaap_SeriesEPreferredStockMember', window );">Series E Preferred Stock [Member]</a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_cfg_DocumentAndEntityInformationLineItems', window );"><strong>Document And Entity Information [Line Items]</strong></a></td>
<td class="text">&#160;<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_Security12bTitle', window );">Security 12b Title</a></td>
<td class="text">Depositary Shares, each representing a 1/40th interest in a share of 5.000% Fixed-Rate Non-Cumulative Perpetual Preferred Stock, Series E<span></span>
</td>
</tr>
<tr class="ro">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_TradingSymbol', window );">Trading Symbol</a></td>
<td class="text">CFG PrE<span></span>
</td>
</tr>
<tr class="re">
<td class="pl " style="border-bottom: 0px;" valign="top"><a class="a" href="javascript:void(0);" onclick="top.Show.showAR( this, 'defref_dei_SecurityExchangeName', window );">Security Exchange Name</a></td>
<td class="text">NYSE<span></span>
</td>
</tr>
</table>
<div style="display: none;">
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_cfg_DocumentAndEntityInformationLineItems">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- References</a><div><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">cfg_DocumentAndEntityInformationLineItems</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>cfg_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:stringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_AmendmentFlag">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Boolean flag that is true when the XBRL content amends previously-filed or accepted submission.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_AmendmentFlag</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:booleanItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_CityAreaCode">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Area code of city</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_CityAreaCode</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:normalizedStringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_DocumentPeriodEndDate">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The end date of the period reflected on the cover page if a periodic report. For all other reports and registration statements containing historical data, it is the date up through which that historical data is presented.  If there is no historical data in the report, use the filing date. The format of the date is CCYY-MM-DD.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_DocumentPeriodEndDate</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:dateItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_DocumentType">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The type of document being provided (such as 10-K, 10-Q, 485BPOS, etc). The document type is limited to the same value as the supporting SEC submission type, or the word 'Other'.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_DocumentType</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dei:submissionTypeItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityAddressAddressLine1">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Address Line 1 such as Attn, Building Name, Street Name</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_EntityAddressAddressLine1</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:normalizedStringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityAddressCityOrTown">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Name of the City or Town</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_EntityAddressCityOrTown</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:normalizedStringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityAddressPostalZipCode">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Code for the postal or zip code</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_EntityAddressPostalZipCode</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:normalizedStringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityAddressStateOrProvince">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Name of the state or province.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_EntityAddressStateOrProvince</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dei:stateOrProvinceItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityCentralIndexKey">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>A unique 10-digit SEC-issued value to identify entities that have filed disclosures with the SEC. It is commonly abbreviated as CIK.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Regulation 12B<br> -Number 240<br> -Section 12<br> -Subsection b-2<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_EntityCentralIndexKey</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dei:centralIndexKeyItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityEmergingGrowthCompany">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Indicate if registrant meets the emerging growth company criteria.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Regulation 12B<br> -Number 240<br> -Section 12<br> -Subsection b-2<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_EntityEmergingGrowthCompany</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:booleanItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityFileNumber">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Commission file number. The field allows up to 17 characters. The prefix may contain 1-3 digits, the sequence number may contain 1-8 digits, the optional suffix may contain 1-4 characters, and the fields are separated with a hyphen.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_EntityFileNumber</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dei:fileNumberItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityIncorporationStateCountryCode">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Two-character EDGAR code representing the state or country of incorporation.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_EntityIncorporationStateCountryCode</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dei:edgarStateCountryItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityRegistrantName">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The exact name of the entity filing the report as specified in its charter, which is required by forms filed with the SEC.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Regulation 12B<br> -Number 240<br> -Section 12<br> -Subsection b-2<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_EntityRegistrantName</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:normalizedStringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_EntityTaxIdentificationNumber">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>The Tax Identification Number (TIN), also known as an Employer Identification Number (EIN), is a unique 9-digit value assigned by the IRS.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Regulation 12B<br> -Number 240<br> -Section 12<br> -Subsection b-2<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_EntityTaxIdentificationNumber</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dei:employerIdItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_LocalPhoneNumber">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Local phone number for entity.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_LocalPhoneNumber</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:normalizedStringItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_PreCommencementIssuerTenderOffer">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Boolean flag that is true when the Form 8-K filing is intended to satisfy the filing obligation of the registrant as pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Exchange Act<br> -Number 240<br> -Section 13e<br> -Subsection 4c<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_PreCommencementIssuerTenderOffer</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:booleanItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_PreCommencementTenderOffer">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Boolean flag that is true when the Form 8-K filing is intended to satisfy the filing obligation of the registrant as pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Exchange Act<br> -Number 240<br> -Section 14d<br> -Subsection 2b<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_PreCommencementTenderOffer</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:booleanItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_Security12bTitle">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Title of a 12(b) registered security.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Exchange Act<br> -Number 240<br> -Section 12<br> -Subsection b<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_Security12bTitle</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dei:securityTitleItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_SecurityExchangeName">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Name of the Exchange on which a security is registered.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Exchange Act<br> -Number 240<br> -Section 12<br> -Subsection d1-1<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_SecurityExchangeName</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dei:edgarExchangeCodeItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_SolicitingMaterial">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Boolean flag that is true when the Form 8-K filing is intended to satisfy the filing obligation of the registrant as soliciting material pursuant to Rule 14a-12 under the Exchange Act.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Exchange Act<br> -Section 14a<br> -Number 240<br> -Subsection 12<br></p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_SolicitingMaterial</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>xbrli:booleanItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_TradingSymbol">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Trading symbol of an instrument as listed on an exchange.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>No definition available.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ Details</a><div style="display: none;"><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">dei_TradingSymbol</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td>dei_</td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>dei:tradingSymbolItemType</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td>duration</td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_dei_WrittenCommunications">
<tr><td class="hide"><a style="color: white;" href="javascript:void(0);" onclick="top.Show.hideAR();">X</a></td></tr>
<tr><td><div class="body" style="padding: 2px;">
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">- Definition</a><div><p>Boolean flag that is true when the Form 8-K filing is intended to satisfy the filing obligation of the registrant as written communications pursuant to Rule 425 under the Securities Act.</p></div>
<a href="javascript:void(0);" onclick="top.Show.toggleNext( this );">+ References</a><div style="display: none;"><p>Reference 1: http://www.xbrl.org/2003/role/presentationRef<br> -Publisher SEC<br> -Name Securities Act<br> -Number 230<br> -Section 425<br></p></div>
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