<SEC-DOCUMENT>0001193125-20-120372.txt : 20200427
<SEC-HEADER>0001193125-20-120372.hdr.sgml : 20200427
<ACCEPTANCE-DATETIME>20200427085606
ACCESSION NUMBER:		0001193125-20-120372
CONFORMED SUBMISSION TYPE:	8-K
PUBLIC DOCUMENT COUNT:		15
CONFORMED PERIOD OF REPORT:	20200427
ITEM INFORMATION:		Other Events
ITEM INFORMATION:		Financial Statements and Exhibits
FILED AS OF DATE:		20200427
DATE AS OF CHANGE:		20200427

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:		20817394

	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>d917920d8k.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;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>&#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_2020-04-27_to_2020-04-27" 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_2020-04-27_to_2020-04-27" 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>
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<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_2020-04-27_to_2020-04-27" 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>
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<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_2020-04-27_to_2020-04-27" 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_2020-04-27_to_2020-04-27_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_2020-04-27_to_2020-04-27_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_2020-04-27_to_2020-04-27_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_2020-04-27_to_2020-04-27_us-gaap-StatementClassOfStockAxis_us-gaap-SeriesDPreferredStockMember">Depositary Shares, each representing a 1/40<sup style="font-size:85%;vertical-align:top">th</sup> interest in a share of 6.350% Fixed-to-Floating Rate Non- Cumulative 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_2020-04-27_to_2020-04-27_us-gaap-StatementClassOfStockAxis_us-gaap-SeriesDPreferredStockMember">CFG PrD</ix:nonNumeric></p></td>
<td style="vertical-align:top;">&#160;</td>
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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:SecurityExchangeName" contextRef="duration_2020-04-27_to_2020-04-27_us-gaap-StatementClassOfStockAxis_us-gaap-SeriesEPreferredStockMember" format="ixt-sec:exchnameen">New York Stock Exchange</ix:nonNumeric></p></td></tr></table> <p style="font-family:Trebuchet MS;font-weight:bold;text-align:left;font-size:10pt;margin-bottom:0px;margin-top:12pt">Indicate by check mark whether the registrant is an emerging growth company as defined in Rule 405 under the Securities Act (17 CFR 230.405) or Rule 12b-2 under the Exchange Act (17 CFR 240.12b-2).</p> <p style="font-family:Trebuchet MS;font-weight:bold;text-align:left;font-size:10pt;margin-bottom:0px;margin-top:12pt">Emerging growth company&#160;&#160;<span style="font-family:Times New Roman;font-weight:normal"><ix:nonNumeric name="dei:EntityEmergingGrowthCompany" contextRef="duration_2020-04-27_to_2020-04-27" format="ixt-sec:boolballotbox">&#9744;</ix:nonNumeric></span></p> <p style="font-family:Trebuchet MS;font-weight:bold;text-align:left;font-size:10pt;margin-bottom:0px;margin-top:12pt">If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act.&#160;&#160;<span style="font-family:Times New Roman;font-weight:normal">&#9744;</span></p> <p style="margin-bottom:0px;margin-top:10pt"></p> <div style="text-align:center"> <p style="line-height:0.5pt;border-bottom:0.50px solid #000000;width:100%;margin-top:0pt;margin-bottom:0pt">&#160;</p></div> <div style="text-align:center"> <p style="line-height:3pt;border-bottom:0.50px solid #000000;width:100%;margin-top:0pt;margin-bottom:2pt">&#160;</p></div> <div></div> <p style="margin-top:1em;margin-bottom:0em"></p></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:10pt;margin-bottom:0pt;margin-top:0pt">Item 8.01 &#160;&#160;Other Events.</p> <p style="font-family:Trebuchet MS;text-align:justify;font-size:9pt;margin-bottom:0px;margin-top:12pt">On April 17, 2020, Citizens Financial Group, Inc. (&#8220;CFG&#8221; or &#8220;Citizens&#8221;) reported first quarter net income of $34&#160;million, compared with $439&#160;million in first quarter 2019, with earnings per share of $0.03, compared with $0.92 per share in first quarter 2019. First quarter 2020 results reflect a net $25&#160;million, or $(0.06) per share, <span style="white-space:nowrap">after-tax</span> reduction from notable items compared with a net $4&#160;million, or $(0.01) per share, in first quarter 2019 and a net $4&#160;million, or $(0.01) per share, in fourth quarter 2019. First quarter 2020 Return on Average Tangible Common Equity* (&#8220;ROTCE&#8221;) of 0.4% compares with 13.0% in first quarter 2019. </p> <p style="font-family:Trebuchet MS;text-align:justify;font-size:9pt;margin-bottom:0px;margin-top:12pt">On an Underlying basis, which excludes notable items, first quarter 2020 net income available to common stockholders of $37&#160;million compares with $428&#160;million in first quarter 2019 and $431&#160;million in fourth quarter 2019. Underlying EPS of $0.09 per share compares with $0.93 in first quarter 2019 and $0.99 in fourth quarter 2019. Underlying first quarter 2020 ROTCE of 1.1% compares with 13.1% in first quarter 2019 and 12.5% in fourth quarter 2019. Tangible book value per common share of $31.97 increased 8% from first quarter 2019 and remained relatively stable with fourth quarter 2019. </p> <p style="font-family:Trebuchet MS;text-align:justify;font-size:9pt;margin-bottom:0px;margin-top:12pt">In first quarter 2020, Citizens adopted the Current Expected Credit Loss (&#8220;CECL&#8221;) accounting standard and recorded first quarter 2020 provision for credit losses of $600&#160;million <span style="white-space:nowrap">pre-tax,</span> or $1.10 per share <span style="white-space:nowrap">after-tax,</span> including a reserve build under CECL of $463&#160;million <span style="white-space:nowrap">pre-tax,</span> or $0.85 per share <span style="white-space:nowrap">after-tax,</span> tied to <span style="white-space:nowrap">COVID-19</span> impacts. On an Underlying basis and before the $463&#160;million <span style="white-space:nowrap">COVID-19</span> CECL-related reserve build, first quarter 2020 net income available to common stockholders reflecting net charge-offs totaled $402&#160;million, EPS was $0.94 per share, and ROTCE was 12.0%. </p> <p style="font-family:Trebuchet MS;text-align:justify;font-size:9pt;margin-bottom:0px;margin-top:12pt">Citizens saw spot loan growth of $8.4&#160;billion, or 7% in first quarter 2020 compared with fourth quarter 2019, including $7.2&#160;billion of commercial client line draws under revolving credit facilities. We remain strongly capitalized and maintain ample liquidity to assist companies in navigating these challenging times. At March&#160;31, 2020, CET1 capital was 9.4%, spot LDR was 95.5%, and LCR was fully compliant. Citizens has worked with borrowers on forbearance, and as of April 15, 2020 had seventy&#32;thousand consumers in forbearance and was working proactively with commercial customers seeking flexibility on loan terms and conditions. In addition, Citizens has been active in securing financing through the U.S. Small Business Administration Payment Protection Program (&#8220;PPP&#8221;) for its small business customers.</p> <p style="font-family:Trebuchet MS;text-align:justify;font-size:6pt;margin-right:6%;margin-bottom:0px;margin-top:24pt">*References in this report to &#8220;Underlying&#8221; results exclude notable items and are Non-GAAP Financial Measures. 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 Non-GAAP 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, loan growth, nonaccrual loans and allowance for loan losses 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:9pt;margin-bottom:0pt;margin-top:0pt">Citizens also announced that its board of directors declared a second quarter 2020 common stock dividend of $0.39 per share. The dividend is payable on May&#160;13, 2020 to shareholders of record at the close of business on April&#160;29, 2020. The quarterly dividend is 22% higher than the <span style="white-space:nowrap">year-ago</span> quarter. In order to ensure capital remains strong to meet further loan demand, the Company will cease stock repurchases through December&#160;31, 2020. </p> <p style="color:#009B7A;font-family:Trebuchet MS;font-weight:bold;text-align:left;font-size:9.5pt;{ &quot;1&quot;: &quot;color:red&quot; }:2;margin-bottom:0px;margin-top:36pt">CECL accounting change and regulatory capital impact </p> <p style="font-family:Trebuchet MS;text-align:justify;font-size:9pt;margin-bottom:0px;margin-top:12pt">As previously announced, the Company&#8217;s <span style="white-space:nowrap">Day-1</span> impact of CECL adoption added $451&#160;million to the Allowance for Credit Losses (&#8220;ACL&#8221;) resulting in an ACL to Loan and Lease Coverage Ratio (&#8220;ACLR&#8221;) of 1.47%. Subsequently, in first quarter 2020, the Company added $463&#160;million to the ACL. These additions resulted in a March&#160;31, 2020 total ACL of $2.2&#160;billion and an ACLR of 1.73%. For regulatory capital purposes,&#160;in connection with the Federal Reserve Board&#8217;s final interim rule as of April&#160;3, 2020, 100% of the $451&#160;million <span style="white-space:nowrap">Day-1</span> impact will be deferred over a <span style="white-space:nowrap">two-year</span> period ending January&#160;1, 2022, at which time it will be phased in on a <span style="white-space:nowrap">pro-rata</span> basis over a three-year period ending January&#160;1, 2025. Additionally, 25% of the $463&#160;million first quarter 2020 reserve build, or $116&#160;million, will be phased in over the same time frame. </p> <p style="color:#009B7A;font-family:Trebuchet MS;font-weight:bold;text-align:left;font-size:9.5pt;{ &quot;1&quot;: &quot;color:red&quot; }:2;margin-bottom:0px;margin-top:36pt">First quarter 2020 vs. first quarter 2019 </p> <p style="font-family:Trebuchet MS;text-align:justify;font-size:2pt;margin-bottom:0pt;margin-top:0pt"> <span style="text-decoration:underline">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;</span> </p> <p style="color:#009B7A;font-family:Trebuchet MS;font-weight:bold;text-align:left;font-size:9.5pt;{ &quot;1&quot;: &quot;color:red&quot; }:2;margin-bottom:0px;margin-top:9pt">Key highlights </p> <p style="margin-bottom:0px;margin-top:9pt"></p>
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<td style="font-family:Trebuchet MS;text-align:justify;font-size:9pt;margin-bottom:0pt;margin-top:0pt;">First quarter highlights include revenue growth of $69&#160;million, or 4%, reflecting stable net interest income and a 16% increase in noninterest income driven by record results in mortgage banking, partially offset by <span style="white-space:nowrap">COVID-19</span> impacts that resulted in lower service charges and fees, card fees, capital markets fees and foreign exchange and interest rate products revenue.</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:9pt;margin-bottom:0pt;margin-top:0pt;">First quarter 2020 results reflect a net $25&#160;million <span style="white-space:nowrap">after-tax</span> reduction, or $(0.06) 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 first 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:9pt;margin-bottom:0pt;margin-top:0pt;">Results reflect an efficiency ratio of 61.1% and ROTCE of 0.4%; Underlying efficiency ratio of 59.1% and ROTCE of 1.1% reflect the challenging environment presented by <span style="white-space:nowrap">COVID-19,</span> in particular the CECL provision impact.</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:9pt;margin-bottom:0pt;margin-top:0pt;">Provision for credit losses of $600&#160;million includes a $463&#160;million reserve build tied to CECL adoption and the impact of <span style="white-space:nowrap">COVID-19</span> on macroeconomic scenario modeling.</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:9pt;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 95.5% compares with 94.9%.</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:9pt;margin-bottom:0pt;margin-top:0pt;">Tangible book value per share of $31.97 increased 8%. Fully diluted average common shares outstanding decreased 33.1&#160;million shares, or 7%.</td> </tr> </table> <p style="color:#009B7A;font-family:Trebuchet MS;font-weight:bold;text-align:left;font-size:9.5pt;{ &quot;1&quot;: &quot;color:red&quot; }:2;margin-bottom:0px;margin-top:12pt">Results </p> <p style="margin-bottom:0px;margin-top:12pt"></p>
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<td style="font-family:Trebuchet MS;text-align:justify;font-size:9pt;margin-bottom:0pt;margin-top:0pt;">Total revenue increased $69&#160;million, or 4%, reflecting strength in noninterest income and stable 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:9pt;margin-bottom:0pt;margin-top:0pt;">Net interest income was flat, reflecting 4% growth in interest-earning assets, offset by the impact of the lower rate and 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:9pt;margin-bottom:0pt;margin-top:0pt;">Net interest margin of 3.10% decreased 15 basis points, reflecting the impact of lower interest rates, which was partially offset by improved deposit mix as well as the continued mix shift towards better-returning assets. Interest-bearing deposit costs decreased 33 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:9pt;margin-bottom:0pt;margin-top:0pt;">Record noninterest income of $497&#160;million increased $69&#160;million, or 16%, driven by record results in mortgage banking given increased origination volumes and higher mortgage servicing rights hedging gains, as well as record trust and investment services fees. Capital markets fees and foreign exchange and interest rate products reflect good underlying business performance, partially offset by <span style="white-space:nowrap">COVID-19</span> impacts. Other income declined from first quarter 2019 levels that included gains related to asset dispositions and efficiency 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:9pt;margin-bottom:0pt;margin-top:0pt;">Noninterest expense increased 8%. Underlying noninterest expense of $979&#160;million increased 5%, reflecting higher salaries and employee benefits and revenue-driven compensation, as well as an increase in outside services and equipment and software expense, partially offset by lower occupancy.</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:9pt;margin-bottom:0pt;margin-top:0pt;">Provision for credit losses of $600&#160;million includes $463&#160;million associated with <span style="white-space:nowrap">COVID-19</span> and compares with $85&#160;million in first quarter 2019. Higher charge-offs reflect several uncorrelated losses in commercial and the impact of seasoning in retail growth portfolios.</td> </tr> </table> <p style="color:#009B7A;font-family:Trebuchet MS;font-weight:bold;text-align:left;font-size:9.5pt;{ &quot;1&quot;: &quot;color:red&quot; }:2;margin-bottom:0px;margin-top:12pt">Balance Sheet </p> <p style="margin-bottom:0px;margin-top:12pt"></p>
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<td style="font-family:Trebuchet MS;text-align:justify;font-size:9pt;margin-bottom:0pt;margin-top:0pt;"> <span style="white-space:nowrap">Period-end</span> loan growth of $9.9&#160;billion, or 8%, reflects 14% growth in commercial, which includes the $7.2&#160;billion impact of higher line of credit utilization tied to <span style="white-space:nowrap">COVID-19</span> disruption, and 3% growth in retail.</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:9pt;margin-bottom:0pt;margin-top:0pt;"> <span style="white-space:nowrap">Period-end</span> deposit growth of $9.6&#160;billion, or 8%, kept pace with loan growth as most commercial customers left their funds from line draws on deposit with us.</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:9pt;margin-bottom:0pt;margin-top:0pt;">Average interest-earning assets increased $5.4&#160;billion, or 4%, driven by 3% loan growth, which includes the $1.0&#160;billion average impact of higher commercial line of credit utilization tied to <span style="white-space:nowrap">COVID-19</span> disruption.</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:9pt;margin-bottom:0pt;margin-top:0pt;">Average deposits increased $6.2&#160;billion, or 5%, reflecting growth in money market accounts, savings, checking with interest and demand deposits, 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:9pt;margin-bottom:0pt;margin-top:0pt;">The average <span style="white-space:nowrap">loan-to-deposits</span> ratio improved to 95.6% from 97.7%; <span style="white-space:nowrap">period-end</span>&#32;<span style="white-space:nowrap">loan-to-deposit</span> ratio of 95.5% compares with 94.9% in first 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:9pt;margin-bottom:0pt;margin-top:0pt;">Nonaccrual loans to loans ratio of 0.61% compares with 0.63% as of March&#160;31, 2019.</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">4</p> <div></div> </div>

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<td style="font-family:Trebuchet MS;text-align:justify;font-size:9pt;margin-bottom:0pt;margin-top:0pt;">Allowance coverage of nonaccrual loans of 283% compares with 179% as of March&#160;31, 2019, reflecting the first quarter 2020 implementation of CECL and the significant provision associated with <span style="white-space:nowrap">COVID-19. </span></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:9pt;margin-bottom:0pt;margin-top:0pt;">Capital remains strong, with a common equity tier 1 (&#8220;CET1&#8221;) risk-based capital ratio of 9.4% which incorporates an approximately 25 basis point impact tied to higher commercial line of credit utilization.</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:9pt;margin-bottom:0pt;margin-top:0pt;">Repurchased 7.5&#160;million shares of common stock at a weighted average price of $35.77 in the quarter. Including common dividends, returned $438&#160;million to shareholders.</td> </tr> </table> <p style="color:#009B7A;font-family:Trebuchet MS;font-weight:bold;text-align:left;font-size:9.5pt;{ &quot;1&quot;: &quot;color:red&quot; }:2;margin-bottom:0px;margin-top:12pt">Year-over-year update on plan execution </p> <p style="font-family:Trebuchet MS;font-weight:bold;text-align:left;font-size:2pt;margin-bottom:0pt;margin-top:0pt"> <span style="text-decoration:underline">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;</span> </p> <p style="color:#009B7A;font-family:Trebuchet MS;font-weight:bold;text-align:left;font-size:9.5pt;{ &quot;1&quot;: &quot;color:red&quot; }:2;margin-bottom:0px;margin-top:12pt">Consumer Banking </p> <p style="margin-bottom:0px;margin-top:12pt"></p>
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<td style="font-family:Trebuchet MS;text-align:justify;font-size:9pt;margin-bottom:0pt;margin-top:0pt;">Continued balance sheet momentum, with 3% loan growth, or 5% before the impact of <span style="white-space:nowrap">on-balance</span> sheet loan sale activity, including continued growth in more attractive risk-adjusted return categories. Funding kept pace, with 3% deposit growth, including 8% 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:9pt;margin-bottom:0pt;margin-top:0pt;">Record fee income results in mortgage banking and wealth.</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:9pt;margin-bottom:0pt;margin-top:0pt;">Citizens Access<sup style="font-size:85%;vertical-align:top">&#174;</sup>, our nationwide digital platform, ended the quarter with deposits of $6.1&#160;billion.</td> </tr> </table> <p style="color:#009B7A;font-family:Trebuchet MS;font-weight:bold;text-align:left;font-size:9.5pt;{ &quot;1&quot;: &quot;color:red&quot; }:2;margin-bottom:0px;margin-top:12pt">Commercial Banking </p> <p style="margin-bottom:0px;margin-top:12pt"></p>
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<td style="font-family:Trebuchet MS;text-align:justify;font-size:9pt;margin-bottom:0pt;margin-top:0pt;">Strong balance sheet performance with 4% loan growth, driven by geographic, product and client-focused expansion strategies, along with 12% deposit 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:9pt;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>&#32;businesses, as we continue to gain market share in key product areas.</td> </tr> </table> <p style="color:#009B7A;font-family:Trebuchet MS;font-weight:bold;text-align:left;font-size:9.5pt;{ &quot;1&quot;: &quot;color:red&quot; }:2;margin-bottom:0px;margin-top:12pt">Efficiency and strategic initiatives </p> <p style="margin-bottom:0px;margin-top:12pt"></p>
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<td style="font-family:Trebuchet MS;text-align:justify;font-size:9pt;margin-bottom:0pt;margin-top:0pt;">The transformational TOP 6 program is on track, 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. Some Q2 saves will be deferred until later in the year, to be offset by other expense actions.</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:9pt;margin-bottom:0pt;margin-top:0pt;">Citizens is continuing to fund its major strategic initiatives, and is considering new opportunities arising from the current environment in an effort to drive higher customer and revenue growth coming out of the crisis.</td> </tr> </table> <p style="color:#009B7A;font-family:Trebuchet MS;font-weight:bold;text-align:left;font-size:9.5pt;{ &quot;1&quot;: &quot;color:red&quot; }:2;margin-bottom:0px;margin-top:36pt">First quarter 2020 vs. fourth quarter 2019 </p> <p style="font-family:Trebuchet MS;font-weight:bold;text-align:left;font-size:2pt;margin-bottom:0pt;margin-top:0pt"> <span style="text-decoration:underline">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;</span> </p> <p style="color:#009B7A;font-family:Trebuchet MS;font-weight:bold;text-align:left;font-size:9.5pt;{ &quot;1&quot;: &quot;color:red&quot; }:2;margin-bottom:0px;margin-top:12pt">Key highlights </p> <p style="margin-bottom:0px;margin-top:12pt"></p>
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<td style="font-family:Trebuchet MS;text-align:justify;font-size:9pt;margin-bottom:0pt;margin-top:0pt;">First quarter highlights include revenue of $1.7&#160;billion, up 1%, reflecting 1% growth in both 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:9pt;margin-bottom:0pt;margin-top:0pt;">First quarter 2020 results reflect a net $25&#160;million <span style="white-space:nowrap">after-tax</span> reduction, or $(0.06) 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 fourth 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:9pt;margin-bottom:0pt;margin-top:0pt;">Results reflect an efficiency ratio of 61.1%; Underlying efficiency ratio of 59.1% compares with 58.0% in fourth quarter 2019, reflecting broadly stable revenue and a seasonal increase in expenses.</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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<td style="font-family:Trebuchet MS;text-align:justify;font-size:9pt;margin-bottom:0pt;margin-top:0pt;">Provision for credit losses of $600&#160;million includes a $463&#160;million reserve build tied to the impact of the <span style="white-space:nowrap">COVID-19 </span>&#32;macroeconomic scenario given CECL adoption.</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:9pt;margin-bottom:0pt;margin-top:0pt;">ROTCE of 0.4% reflects higher provisions under CECL associated with <span style="white-space:nowrap">COVID-19</span> impacts. Underlying ROTCE of 1.1% compares with 12.5% in fourth 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:9pt;margin-bottom:0pt;margin-top:0pt;">Tangible book value per common share of $31.97 remained relatively stable. Fully diluted average common shares outstanding decreased 7.1&#160;million, or 2%.</td> </tr> </table> <p style="color:#009B7A;font-family:Trebuchet MS;font-weight:bold;text-align:left;font-size:9.5pt;{ &quot;1&quot;: &quot;color:red&quot; }:2;margin-bottom:0px;margin-top:12pt">Results </p> <p style="margin-bottom:0px;margin-top:12pt"></p>
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<td style="font-family:Trebuchet MS;text-align:justify;font-size:9pt;margin-bottom:0pt;margin-top:0pt;">Total revenue of $1.7&#160;billion increased 1%, reflecting growth in net interest income and record 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:9pt;margin-bottom:0pt;margin-top:0pt;">Net interest income of $1.2&#160;billion increased 1%, as the benefit of interest-earning asset growth and improved mix was partially offset by the impact of lower interest rates and day count.</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:9pt;margin-bottom:0pt;margin-top:0pt;">Net interest margin of 3.10% increased 4 basis points, as improved loan spreads and mix, given elevated LIBOR rates, as well as disciplined deposit pricing and mix more than offset the negative impact of lower interest rates. Interest-bearing deposit costs decreased 15 basis points.</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:9pt;margin-bottom:0pt;margin-top:0pt;">Record noninterest income of $497&#160;million increased 1% reflecting record mortgage banking fees and trust and investment services fees. Capital markets fees and foreign exchange and interest rate products reflect solid underlying performance, partially offset by a $21&#160;million mark to market loss on loan/bond trading assets and a $15&#160;million decrease in CVA adjustment.</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:9pt;margin-bottom:0pt;margin-top:0pt;">Noninterest expense of $1.0&#160;billion increased $26&#160;million, or 3%, including the impact of notable items. On an Underlying basis, noninterest expense of $979&#160;million increased $30&#160;million, or 3%, largely reflecting the impact of seasonally higher payroll taxes associated with incentive compensation, along with higher revenue-based compensation tied to mortgage originations. Results also reflect increased equipment and software expense, partially offset by lower other operating expense and 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:9pt;margin-bottom:0pt;margin-top:0pt;">Provision for credit losses of $600&#160;million reflects a $463&#160;million reserve build associated with <span style="white-space:nowrap">COVID-19. </span></td> </tr> </table> <p style="color:#009B7A;font-family:Trebuchet MS;font-weight:bold;text-align:left;font-size:9.5pt;{ &quot;1&quot;: &quot;color:red&quot; }:2;margin-bottom:0px;margin-top:12pt">Balance sheet </p> <p style="margin-bottom:0px;margin-top:12pt"></p>
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<td style="font-family:Trebuchet MS;text-align:justify;font-size:9pt;margin-bottom:0pt;margin-top:0pt;">Average interest-earning assets increased $2.0&#160;billion, or 1%, driven by 1.8% loan growth, and included the $1.0&#160;billion impact of higher commercial line of credit utilization. Average loan growth also reflects a $922&#160;million average impact tied to the sale of $1.6&#160;billion of <span style="white-space:nowrap">on-balance</span> sheet residential mortgage loans in connection with balance sheet optimization strategies. Average loans increased 2.6% 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:9pt;margin-bottom:0pt;margin-top:0pt;"> <span style="white-space:nowrap">Period-end</span> loan growth of $8.4&#160;billion, or 7%, was driven by a 15% increase in commercial, which included a $7.2&#160;billion impact from higher line of credit utilization.</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:9pt;margin-bottom:0pt;margin-top:0pt;">Average deposits were relatively stable, as growth in checking with interest, money market accounts and savings was largely offset by a decrease in term and 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:9pt;margin-bottom:0pt;margin-top:0pt;"> <span style="white-space:nowrap">Period-end</span> deposit growth of $8.2&#160;billion, or 7%, kept pace with loan 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:9pt;margin-bottom:0pt;margin-top:0pt;">Average <span style="white-space:nowrap">loan-to-deposit</span> ratio of 95.6% compares with 94.6% in fourth quarter 2019; <span style="white-space:nowrap">period-end</span>&#32;<span style="white-space:nowrap">loan-to-deposit</span> ratio of 95.5% compares to 95.0% in fourth 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:9pt;margin-bottom:0pt;margin-top:0pt;">Nonaccrual loans to loan ratio of 0.61% compares to 0.59% as of December&#160;31, 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:9pt;margin-bottom:0pt;margin-top:0pt;">Allowance coverage of nonaccrual loans of 283% reflects the first quarter 2020 implementation of CECL and the first quarter provision impact associated with <span style="white-space:nowrap">COVID-19,</span> and compares with 184% as of December&#160;31, 2019.</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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<td colspan="30" style="vertical-align:bottom;border-bottom:0.50pt solid #000000;"> <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>
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<td colspan="16" style="vertical-align:bottom;border-bottom:0.50pt solid #000000;"> <p style="font-family:Trebuchet MS;font-weight:bold;text-align:center;font-size:7pt;margin-bottom:0pt;margin-top:0pt">1Q20 change from </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:7pt;margin-bottom:0pt;margin-top:0pt">Net interest income </p> </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;"> <p style="font-family:Trebuchet MS;text-align:right;font-size:7pt;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:7pt;margin-bottom:0pt;margin-top:0pt;">$</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt">&#160;&#160;&#160;&#160;&#160;1,160 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt;">$</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt">&#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:7pt;margin-bottom:0pt;margin-top:0pt;">$</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt">&#160;&#160;&#160;&#160;&#160;1,160 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;"> <p style="font-family:Trebuchet MS;text-align:right;font-size:7pt;margin-bottom:0pt;margin-top:0pt"></p> </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt;">$</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;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</p> </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:top;">&#160;</td>
<td style="vertical-align:bottom;"> <p style="font-family:Trebuchet MS;text-align:right;font-size:7pt;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:7pt;margin-bottom:0pt;margin-top:0pt;">$</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;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">&#8212;</p> </td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">&#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">Noninterest income </p> </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;"> <p style="font-family:Trebuchet MS;text-align:right;font-size:7pt;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:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt">497 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:7pt;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:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt">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;"> <p style="font-family:Trebuchet MS;text-align:right;font-size:7pt;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:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</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>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</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;"> <p style="font-family:Trebuchet MS;text-align:right;font-size:7pt;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:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</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">16 </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">Total revenue </p> </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;"> <p style="font-family:Trebuchet MS;text-align:right;font-size:7pt;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:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt">1,657 </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:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</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">1,588 </p> </td>
<td style="vertical-align: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:7pt;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:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</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;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</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;"> <p style="font-family:Trebuchet MS;text-align:right;font-size:7pt;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:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</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">4 </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">Noninterest expense </p> </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;"> <p style="font-family:Trebuchet MS;text-align:right;font-size:7pt;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:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt">1,012 </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:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</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">937 </p> </td>
<td style="vertical-align: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:7pt;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:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:7pt;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>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</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>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;"> <p style="font-family:Trebuchet MS;text-align:right;font-size:7pt;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:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt">75 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</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 </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"> <span style="white-space:nowrap">Pre-provision</span> profit </p> </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;"> <p style="font-family:Trebuchet MS;text-align:right;font-size:7pt;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:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt">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">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:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:7pt;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;"> <p style="font-family:Trebuchet MS;text-align:right;font-size:7pt;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: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">(6</p> </td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;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: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</p> </td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">) </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;"> <p style="font-family:Trebuchet MS;text-align:right;font-size:7pt;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: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">(6</p> </td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;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: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</p> </td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">) </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">Provision for credit losses </p> </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;"> <p style="font-family:Trebuchet MS;text-align:right;font-size:7pt;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:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:7pt;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:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:7pt;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:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:7pt;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;"> <p style="font-family:Trebuchet MS;text-align:right;font-size:7pt;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:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt">490 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td 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">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;</p> </td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">NM </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;"> <p style="font-family:Trebuchet MS;text-align:right;font-size:7pt;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:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt">515 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td 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">&#160;&#160;&#160;&#160;&#160;&#160;</p> </td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">NM </td> </tr>
<tr style="font-size:0pt;page-break-inside:avoid;">
<td style="vertical-align:bottom;border-bottom:0.50pt solid #000000;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;border-bottom:0.50pt solid #000000;">&#160;</td>
<td colspan="10" style="vertical-align:bottom;border-bottom:0.50pt solid #000000;">&#160;</td>
<td style="border-bottom:0.50pt solid #000000;">&#160;</td>
<td style="border-bottom:0.50pt solid #000000;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;border-bottom:0.50pt solid #000000;">&#160;</td>
<td colspan="6" style="vertical-align:bottom;border-bottom:0.50pt solid #000000;">&#160;</td>
<td style="border-bottom:0.50pt solid #000000;">&#160;</td>
<td style="border-bottom:0.50pt solid #000000;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;border-bottom:0.50pt solid #000000;">&#160;</td>
<td colspan="6" style="vertical-align:bottom;border-bottom:0.50pt solid #000000;">&#160;</td>
<td style="border-bottom:0.50pt solid #000000;">&#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">Net income </p> </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;"> <p style="font-family:Trebuchet MS;text-align:right;font-size:7pt;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:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:7pt;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:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:7pt;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:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt">439 </p> </td>
<td style="vertical-align: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:7pt;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: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">(416</p> </td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;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: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">(92</p> </td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">) </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;"> <p style="font-family:Trebuchet MS;text-align:right;font-size:7pt;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: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">(405</p> </td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;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: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">(92</p> </td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">) </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">Preferred dividends </p> </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;"> <p style="font-family:Trebuchet MS;text-align:right;font-size:7pt;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:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</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;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</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 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</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 </p> </td>
<td style="vertical-align: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:7pt;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: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</p> </td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;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: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">(4</p> </td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">) </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;"> <p style="font-family:Trebuchet MS;text-align:right;font-size:7pt;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:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</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 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:7pt;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> </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">Net income available to common stockholders </p> </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;"> <p style="font-family:Trebuchet MS;text-align:right;font-size:7pt;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:7pt;margin-bottom:0pt;margin-top:0pt;">$</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;">$</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt">427 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt;">$</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt">424 </p> </td>
<td style="vertical-align: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:7pt;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:7pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">$</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt">(415</p> </td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">) </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt">(97</p> </td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">)%&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;"> <p style="font-family:Trebuchet MS;text-align:right;font-size:7pt;margin-bottom:0pt;margin-top:0pt"></p> </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">$</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt">(412</p> </td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;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: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">(97</p> </td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">)%&#160;</td> </tr>
<tr style="font-size:0pt;page-break-inside:avoid;">
<td style="vertical-align:bottom;border-bottom:0.50pt solid #000000;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;border-bottom:0.50pt solid #000000;">&#160;</td>
<td colspan="10" style="vertical-align:bottom;border-bottom:0.50pt solid #000000;">&#160;</td>
<td style="border-bottom:0.50pt solid #000000;">&#160;</td>
<td style="border-bottom:0.50pt solid #000000;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;border-bottom:0.50pt solid #000000;">&#160;</td>
<td colspan="6" style="vertical-align:bottom;border-bottom:0.50pt solid #000000;">&#160;</td>
<td style="border-bottom:0.50pt solid #000000;">&#160;</td>
<td style="border-bottom:0.50pt solid #000000;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;border-bottom:0.50pt solid #000000;">&#160;</td>
<td colspan="6" style="vertical-align:bottom;border-bottom:0.50pt solid #000000;">&#160;</td>
<td style="border-bottom:0.50pt solid #000000;">&#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"> <span style="white-space:nowrap">After-tax</span> notable Items </p> </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;"> <p style="font-family:Trebuchet MS;text-align:right;font-size:7pt;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:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</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 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</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">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;"> <p style="font-family:Trebuchet MS;text-align:right;font-size:7pt;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:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</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 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td 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"></p> </td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">NM </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;"> <p style="font-family:Trebuchet MS;text-align:right;font-size:7pt;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:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</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 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td 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">&#160;&#160;&#160;&#160;</p> </td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">NM </td> </tr>
<tr style="font-size:0pt;page-break-inside:avoid;">
<td style="vertical-align:bottom;border-bottom:0.50pt solid #000000;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;border-bottom:0.50pt solid #000000;">&#160;</td>
<td colspan="10" style="vertical-align:bottom;border-bottom:0.50pt solid #000000;">&#160;</td>
<td style="border-bottom:0.50pt solid #000000;">&#160;</td>
<td style="border-bottom:0.50pt solid #000000;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;border-bottom:0.50pt solid #000000;">&#160;</td>
<td colspan="6" style="vertical-align:bottom;border-bottom:0.50pt solid #000000;">&#160;</td>
<td style="border-bottom:0.50pt solid #000000;">&#160;</td>
<td style="border-bottom:0.50pt solid #000000;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;border-bottom:0.50pt solid #000000;">&#160;</td>
<td colspan="6" style="vertical-align:bottom;border-bottom:0.50pt solid #000000;">&#160;</td>
<td style="border-bottom:0.50pt solid #000000;">&#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">Underlying net income </p> </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;"> <p style="font-family:Trebuchet MS;text-align:right;font-size:7pt;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:7pt;margin-bottom:0pt;margin-top:0pt;">$</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt">59 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt;">$</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:7pt;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:7pt;margin-bottom:0pt;margin-top:0pt;">$</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt">443 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;"> <p style="font-family:Trebuchet MS;text-align:right;font-size:7pt;margin-bottom:0pt;margin-top:0pt"></p> </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">$</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt">(395</p> </td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;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: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">(87</p> </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:top;">&#160;</td>
<td style="vertical-align:bottom;"> <p style="font-family:Trebuchet MS;text-align:right;font-size:7pt;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:7pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">$</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt">(384</p> </td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">) </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt">(87</p> </td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">)%&#160;</td> </tr>
<tr style="background-color:#cceeff;page-break-inside:avoid;font-size:7pt;">
<td style="vertical-align:top;padding:0;"> <p style="font-family:Trebuchet MS;margin-left:0.00em;text-align:left;text-indent:0.00em;font-size:7pt;margin-bottom:0pt;margin-top:0pt">Underlying net income available to common stockholders </p> </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;"> <p style="font-family:Trebuchet MS;text-align:right;font-size:7pt;margin-bottom:0pt;margin-top:0pt"></p> </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt;">$</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;">$</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt">431 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt;">$</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt">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;"> <p style="font-family:Trebuchet MS;text-align:right;font-size:7pt;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:7pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">$</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt">(394</p> </td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">) </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt">(91</p> </td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">)%&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;"> <p style="font-family:Trebuchet MS;text-align:right;font-size:7pt;margin-bottom:0pt;margin-top:0pt"></p> </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">$</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt">(391</p> </td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;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: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">(91</p> </td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">)%&#160;</td> </tr>
<tr style="font-size:0pt;page-break-inside:avoid;">
<td style="vertical-align:bottom;border-bottom:0.50pt solid #000000;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;border-bottom:0.50pt solid #000000;">&#160;</td>
<td colspan="10" style="vertical-align:bottom;border-bottom:0.50pt solid #000000;">&#160;</td>
<td style="border-bottom:0.50pt solid #000000;">&#160;</td>
<td style="border-bottom:0.50pt solid #000000;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;border-bottom:0.50pt solid #000000;">&#160;</td>
<td colspan="6" style="vertical-align:bottom;border-bottom:0.50pt solid #000000;">&#160;</td>
<td style="border-bottom:0.50pt solid #000000;">&#160;</td>
<td style="border-bottom:0.50pt solid #000000;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;border-bottom:0.50pt solid #000000;">&#160;</td>
<td colspan="6" style="vertical-align:bottom;border-bottom:0.50pt solid #000000;">&#160;</td>
<td style="border-bottom:0.50pt solid #000000;">&#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">Average common shares outstanding </p> </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;"> <p style="font-family:Trebuchet MS;text-align:right;font-size:7pt;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:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</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;"> <p style="font-family:Trebuchet MS;text-align:right;font-size:7pt;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:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</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;"> <p style="font-family:Trebuchet MS;text-align:right;font-size:7pt;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:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</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> </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:2.00em;text-align:left;text-indent:-1.00em;font-size:7pt;margin-bottom:0pt;margin-top:0pt">Basic (in millions) </p> </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;"> <p style="font-family:Trebuchet MS;text-align:right;font-size:7pt;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:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt">427.7 </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:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:7pt;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:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt">460.7 </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;"> <p style="font-family:Trebuchet MS;text-align:right;font-size:7pt;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: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">(7.0</p> </td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;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: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">(2</p> </td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">) </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;"> <p style="font-family:Trebuchet MS;text-align:right;font-size:7pt;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: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">(33.0</p> </td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;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: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">(7</p> </td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">) </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:2.00em;text-align:left;text-indent:-1.00em;font-size:7pt;margin-bottom:0pt;margin-top:0pt">Diluted (in millions) </p> </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;"> <p style="font-family:Trebuchet MS;text-align:right;font-size:7pt;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:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt">429.4 </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">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:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt">462.5 </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;"> <p style="font-family:Trebuchet MS;text-align:right;font-size:7pt;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: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">(7.1</p> </td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;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: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">(2</p> </td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">) </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;"> <p style="font-family:Trebuchet MS;text-align:right;font-size:7pt;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: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">(33.1</p> </td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;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: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">(7</p> </td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">) </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">Diluted earnings per share </p> </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;"> <p style="font-family:Trebuchet MS;text-align:right;font-size:7pt;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:7pt;margin-bottom:0pt;margin-top:0pt;">$</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt">0.03 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt;">$</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt">0.98 </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;">$</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt">0.92 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;"> <p style="font-family:Trebuchet MS;text-align:right;font-size:7pt;margin-bottom:0pt;margin-top:0pt"></p> </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">$</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt">(0.95</p> </td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;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: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">(97</p> </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:top;">&#160;</td>
<td style="vertical-align:bottom;"> <p style="font-family:Trebuchet MS;text-align:right;font-size:7pt;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:7pt;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:7pt;margin-bottom:0pt;margin-top:0pt">(0.89</p> </td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;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: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">(97</p> </td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">)%&#160;</td> </tr>
<tr style="font-size:0pt;page-break-inside:avoid;">
<td style="vertical-align:bottom;border-bottom:0.50pt solid #000000;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;border-bottom:0.50pt solid #000000;">&#160;</td>
<td colspan="10" style="vertical-align:bottom;border-bottom:0.50pt solid #000000;">&#160;</td>
<td style="border-bottom:0.50pt solid #000000;">&#160;</td>
<td style="border-bottom:0.50pt solid #000000;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;border-bottom:0.50pt solid #000000;">&#160;</td>
<td colspan="6" style="vertical-align:bottom;border-bottom:0.50pt solid #000000;">&#160;</td>
<td style="border-bottom:0.50pt solid #000000;">&#160;</td>
<td style="border-bottom:0.50pt solid #000000;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;border-bottom:0.50pt solid #000000;">&#160;</td>
<td colspan="6" style="vertical-align:bottom;border-bottom:0.50pt solid #000000;">&#160;</td>
<td style="border-bottom:0.50pt solid #000000;">&#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">Underlying diluted earnings per share </p> </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;"> <p style="font-family:Trebuchet MS;text-align:right;font-size:7pt;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:7pt;margin-bottom:0pt;margin-top:0pt;">$</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt">0.09 </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;">$</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt">0.99 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt;">$</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt">0.93 </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;"> <p style="font-family:Trebuchet MS;text-align:right;font-size:7pt;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:7pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">$</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt">&#160;&#160;&#160;&#160;&#160;(0.90</p> </td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">) </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt">(91</p> </td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">)%&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;"> <p style="font-family:Trebuchet MS;text-align:right;font-size:7pt;margin-bottom:0pt;margin-top:0pt"></p> </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">$</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt">&#160;&#160;&#160;&#160;&#160;(0.84</p> </td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;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: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">(90</p> </td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">)%&#160;</td> </tr>
<tr style="font-size:0pt;page-break-inside:avoid;">
<td style="vertical-align:bottom;border-bottom:0.50pt solid #000000;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;border-bottom:0.50pt solid #000000;">&#160;</td>
<td colspan="10" style="vertical-align:bottom;border-bottom:0.50pt solid #000000;">&#160;</td>
<td style="border-bottom:0.50pt solid #000000;">&#160;</td>
<td style="border-bottom:0.50pt solid #000000;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;border-bottom:0.50pt solid #000000;">&#160;</td>
<td colspan="6" style="vertical-align:bottom;border-bottom:0.50pt solid #000000;">&#160;</td>
<td style="border-bottom:0.50pt solid #000000;">&#160;</td>
<td style="border-bottom:0.50pt solid #000000;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;border-bottom:0.50pt solid #000000;">&#160;</td>
<td colspan="6" style="vertical-align:bottom;border-bottom:0.50pt solid #000000;">&#160;</td>
<td style="border-bottom:0.50pt solid #000000;">&#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">Key performance metrics* </p> </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;"> <p style="font-family:Trebuchet MS;text-align:right;font-size:7pt;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:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</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;"> <p style="font-family:Trebuchet MS;text-align:right;font-size:7pt;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:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</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;"> <p style="font-family:Trebuchet MS;text-align:right;font-size:7pt;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:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</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> </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">Net interest margin </p> </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;"> <p style="font-family:Trebuchet MS;text-align:right;font-size:7pt;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: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">3.09</p> </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: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">3.04</p> </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: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">3.23</p> </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:top;">&#160;</td>
<td style="vertical-align:bottom;"> <p style="font-family:Trebuchet MS;text-align:right;font-size:7pt;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: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">5</p> </td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">&#160;bps </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</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;"> <p style="font-family:Trebuchet MS;text-align:right;font-size:7pt;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: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">(14</p> </td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">)&#160;bps </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</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> </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">Net interest margin, FTE </p> </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;"> <p style="font-family:Trebuchet MS;text-align:right;font-size:7pt;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:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt">3.10 </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:right"> <p style="font-family:Trebuchet MS;font-size:7pt;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:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt">3.25 </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;"> <p style="font-family:Trebuchet MS;text-align:right;font-size:7pt;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:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</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"></p> </td>
<td style="vertical-align: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:7pt;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: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">(15</p> </td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;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:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</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> </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;"> <p style="font-family:Trebuchet MS;text-align:right;font-size:7pt;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:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt">24.1 </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">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:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt">22.4 </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;"> <p style="font-family:Trebuchet MS;text-align:right;font-size:7pt;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:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt">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:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</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;"> <p style="font-family:Trebuchet MS;text-align:right;font-size:7pt;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:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:7pt;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:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</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> </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;"> <p style="font-family:Trebuchet MS;text-align:right;font-size:7pt;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:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt">61 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</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 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</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;"> <p style="font-family:Trebuchet MS;text-align:right;font-size:7pt;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:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:7pt;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>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</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;"> <p style="font-family:Trebuchet MS;text-align:right;font-size:7pt;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:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:7pt;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:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</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> </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">Underlying efficiency ratio </p> </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;"> <p style="font-family:Trebuchet MS;text-align:right;font-size:7pt;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:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</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:right"> <p style="font-family:Trebuchet MS;font-size:7pt;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:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</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;"> <p style="font-family:Trebuchet MS;text-align:right;font-size:7pt;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:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt">106 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</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;"> <p style="font-family:Trebuchet MS;text-align:right;font-size:7pt;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:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt">41 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</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> </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 </p> </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;"> <p style="font-family:Trebuchet MS;text-align:right;font-size:7pt;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:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt">0.2 </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">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:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt">8.6 </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;"> <p style="font-family:Trebuchet MS;text-align:right;font-size:7pt;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: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">(806</p> </td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;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:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</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;"> <p style="font-family:Trebuchet MS;text-align:right;font-size:7pt;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: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">(838</p> </td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;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:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</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> </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 tangible common equity </p> </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;"> <p style="font-family:Trebuchet MS;text-align:right;font-size:7pt;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:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt">0.4 </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">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:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt">13.0 </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;"> <p style="font-family:Trebuchet MS;text-align:right;font-size:7pt;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: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">(1,203</p> </td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;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:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</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;"> <p style="font-family:Trebuchet MS;text-align:right;font-size:7pt;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: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">(1,264</p> </td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;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:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</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> </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">Underlying return on average tangible common equity </p> </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;"> <p style="font-family:Trebuchet MS;text-align:right;font-size:7pt;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:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt">1.1 </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">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:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt">13.1 </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;"> <p style="font-family:Trebuchet MS;text-align:right;font-size:7pt;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: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">(1,139</p> </td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;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:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</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;"> <p style="font-family:Trebuchet MS;text-align:right;font-size:7pt;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: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">(1,202</p> </td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;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:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</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> </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;"> <p style="font-family:Trebuchet MS;text-align:right;font-size:7pt;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:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt">0.08 </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:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</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;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</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;"> <p style="font-family:Trebuchet MS;text-align:right;font-size:7pt;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: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">(100</p> </td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;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:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</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;"> <p style="font-family:Trebuchet MS;text-align:right;font-size:7pt;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: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">(103</p> </td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;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:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</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> </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">Underlying return on average total tangible assets </p> </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;"> <p style="font-family:Trebuchet MS;text-align:right;font-size:7pt;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: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">0.15</p> </td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">&#160;%</td>
<td 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">1.14</p> </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: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;%</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;"> <p style="font-family:Trebuchet MS;text-align:right;font-size:7pt;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: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">(99</p> </td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">)&#160;bps </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</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;"> <p style="font-family:Trebuchet MS;text-align:right;font-size:7pt;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: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">(102</p> </td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">)&#160;bps </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</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> </tr>
<tr style="font-size:0pt;page-break-inside:avoid;">
<td style="vertical-align:bottom;border-bottom:0.50pt solid #000000;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;border-bottom:0.50pt solid #000000;">&#160;</td>
<td colspan="10" style="vertical-align:bottom;border-bottom:0.50pt solid #000000;">&#160;</td>
<td style="border-bottom:0.50pt solid #000000;">&#160;</td>
<td style="border-bottom:0.50pt solid #000000;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;border-bottom:0.50pt solid #000000;">&#160;</td>
<td colspan="6" style="vertical-align:bottom;border-bottom:0.50pt solid #000000;">&#160;</td>
<td style="border-bottom:0.50pt solid #000000;">&#160;</td>
<td style="border-bottom:0.50pt solid #000000;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;border-bottom:0.50pt solid #000000;">&#160;</td>
<td colspan="6" style="vertical-align:bottom;border-bottom:0.50pt solid #000000;">&#160;</td>
<td style="border-bottom:0.50pt solid #000000;">&#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">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;"> <p style="font-family:Trebuchet MS;text-align:right;font-size:7pt;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:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</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;"> <p style="font-family:Trebuchet MS;text-align:right;font-size:7pt;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:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</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;"> <p style="font-family:Trebuchet MS;text-align:right;font-size:7pt;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:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</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> </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">Common equity tier 1 capital ratio </p> </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;"> <p style="font-family:Trebuchet MS;text-align:right;font-size:7pt;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: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">9.4</p> </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: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">10.0</p> </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: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">10.5</p> </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:top;">&#160;</td>
<td style="vertical-align:bottom;"> <p style="font-family:Trebuchet MS;text-align:right;font-size:7pt;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:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</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;"> <p style="font-family:Trebuchet MS;text-align:right;font-size:7pt;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:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</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> </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">Total capital ratio </p> </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;"> <p style="font-family:Trebuchet MS;text-align:right;font-size:7pt;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:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt">12.5 </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">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:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt">13.4 </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;"> <p style="font-family:Trebuchet MS;text-align:right;font-size:7pt;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:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</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;"> <p style="font-family:Trebuchet MS;text-align:right;font-size:7pt;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:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</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> </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">Tier 1 leverage ratio </p> </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;"> <p style="font-family:Trebuchet MS;text-align:right;font-size:7pt;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:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt">9.6 </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">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:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt">10.0 </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;"> <p style="font-family:Trebuchet MS;text-align:right;font-size:7pt;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:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</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;"> <p style="font-family:Trebuchet MS;text-align:right;font-size:7pt;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:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</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> </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">Allowance for credit losses to loans and leases </p> </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;"> <p style="font-family:Trebuchet MS;text-align:right;font-size:7pt;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:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt">1.73 </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">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">1.13 </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;"> <p style="font-family:Trebuchet MS;text-align:right;font-size:7pt;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: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">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;bps </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</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;"> <p style="font-family:Trebuchet MS;text-align:right;font-size:7pt;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: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</p> </td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">&#160;bps </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</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> </tr>
<tr style="font-size:0pt;page-break-inside:avoid;">
<td style="vertical-align:bottom;border-bottom:0.50pt solid #000000;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;border-bottom:0.50pt solid #000000;">&#160;</td>
<td colspan="10" style="vertical-align:bottom;border-bottom:0.50pt solid #000000;">&#160;</td>
<td style="border-bottom:0.50pt solid #000000;">&#160;</td>
<td style="border-bottom:0.50pt solid #000000;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;border-bottom:0.50pt solid #000000;">&#160;</td>
<td colspan="6" style="vertical-align:bottom;border-bottom:0.50pt solid #000000;">&#160;</td>
<td style="border-bottom:0.50pt solid #000000;">&#160;</td>
<td style="border-bottom:0.50pt solid #000000;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;border-bottom:0.50pt solid #000000;">&#160;</td>
<td colspan="6" style="vertical-align:bottom;border-bottom:0.50pt solid #000000;">&#160;</td>
<td style="border-bottom:0.50pt solid #000000;">&#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">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;"> <p style="font-family:Trebuchet MS;text-align:right;font-size:7pt;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:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</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;"> <p style="font-family:Trebuchet MS;text-align:right;font-size:7pt;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:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</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;"> <p style="font-family:Trebuchet MS;text-align:right;font-size:7pt;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:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</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> </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">Nonaccrual loans and leases to loans and leases </p> </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;"> <p style="font-family:Trebuchet MS;text-align:right;font-size:7pt;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: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">0.61</p> </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: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">0.59</p> </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: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">0.63</p> </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:top;">&#160;</td>
<td style="vertical-align:bottom;"> <p style="font-family:Trebuchet MS;text-align:right;font-size:7pt;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: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">2</p> </td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">&#160;bps </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</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;"> <p style="font-family:Trebuchet MS;text-align:right;font-size:7pt;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: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">(2</p> </td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;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:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</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> </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">Allowance for credit losses to nonaccrual loans and leases </p> </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;"> <p style="font-family:Trebuchet MS;text-align:right;font-size:7pt;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:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt">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:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt">184 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt">179 </p> </td>
<td style="vertical-align: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:7pt;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: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">NM</p> </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:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</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;"> <p style="font-family:Trebuchet MS;text-align:right;font-size:7pt;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: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">NM</p> </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:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</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> </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">Net charge-offs as a % of average loans and leases </p> </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;"> <p style="font-family:Trebuchet MS;text-align:right;font-size:7pt;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: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">0.46</p> </td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">&#160;%</td>
<td 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">0.41</p> </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: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">0.31</p> </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:top;">&#160;</td>
<td style="vertical-align:bottom;"> <p style="font-family:Trebuchet MS;text-align:right;font-size:7pt;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: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">5</p> </td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">&#160;bps </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</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;"> <p style="font-family:Trebuchet MS;text-align:right;font-size:7pt;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: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">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;bps </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</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> </tr>
<tr style="font-size:0pt;page-break-inside:avoid;">
<td colspan="3" style="vertical-align:bottom;border-bottom:0.50pt solid #000000;">&#160;</td>
<td style="border-bottom:0.50pt solid #000000;">&#160;</td>
<td colspan="10" style="vertical-align:bottom;border-bottom:0.50pt solid #000000;">&#160;</td>
<td style="border-bottom:0.50pt solid #000000;">&#160;</td>
<td style="border-bottom:0.50pt solid #000000;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;border-bottom:0.50pt solid #000000;">&#160;</td>
<td colspan="6" style="vertical-align:bottom;border-bottom:0.50pt solid #000000;">&#160;</td>
<td style="border-bottom:0.50pt solid #000000;">&#160;</td>
<td style="border-bottom:0.50pt solid #000000;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;border-bottom:0.50pt solid #000000;">&#160;</td>
<td colspan="6" style="vertical-align:bottom;border-bottom:0.50pt solid #000000;">&#160;</td>
<td style="border-bottom:0.50pt solid #000000;">&#160;</td> </tr> </table> <p style="font-family:Trebuchet MS;text-align:left;font-size:7pt;margin-bottom:0pt;margin-top:0pt"><sup style="font-size:85%;vertical-align:top">1) </sup>Current reporting-period regulatory capital ratios are preliminary. </p> <p style="font-family:Trebuchet MS;text-align:left;font-size:7pt;margin-bottom:0px;margin-top:1pt"><sup style="font-size:85%;vertical-align:top">2)</sup> 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">7</p> <div></div> </div>

 </div>



<p style="margin-top:1em; margin-bottom:0em; page-break-before:always"> </p>
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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:11pt;margin-bottom:0pt;margin-top:0pt">Notable items: </p> <p style="font-family:Trebuchet MS;text-align:justify;font-size:9pt;margin-bottom:0px;margin-top:12pt">First quarter 2020 and fourth quarter 2019 results reflect notable items primarily related to TOP 6 transformational and revenue and efficiency initiatives. First quarter 2020 and 2019 results also 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 2019 results also include a tax benefit largely tied to legacy tax matters. 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:9pt;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 $32&#160;million through the end of first quarter 2020. </p>
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<td style="white-space:nowrap;vertical-align:bottom;"> <p style="font-family:Trebuchet MS;font-weight:bold;text-align:left;font-size:6pt;margin-bottom:0pt;margin-top:0pt">Notable items-integration costs </p> <p style="font-size:1pt;margin-bottom:1pt;margin-top:0">&#160;</p> </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:6pt;margin-bottom:0pt;margin-top:0pt"></p> </td>
<td style="vertical-align:bottom;border-bottom:0.50pt solid #000000;">&#160;</td>
<td colspan="10" style="vertical-align:bottom;border-bottom:0.50pt solid #000000;"> <p style="font-family:Trebuchet MS;font-weight:bold;text-align:center;font-size:6pt;margin-bottom:0pt;margin-top:0pt">1Q20 </p> </td>
<td style="border-bottom:0.50pt solid #000000;">&#160;</td>
<td style="border-bottom:0.50pt solid #000000;">&#160;</td>
<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;border-bottom:0.50pt solid #000000;">&#160;</td>
<td colspan="10" style="vertical-align:bottom;border-bottom:0.50pt solid #000000;"> <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="border-bottom:0.50pt solid #000000;">&#160;</td>
<td style="border-bottom:0.50pt solid #000000;">&#160;</td>
<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;border-bottom:0.50pt solid #000000;">&#160;</td>
<td colspan="10" style="vertical-align:bottom;border-bottom:0.50pt solid #000000;"> <p style="font-family:Trebuchet MS;font-weight:bold;text-align:center;font-size:6pt;margin-bottom:0pt;margin-top:0pt">1Q19 </p> </td>
<td style="border-bottom:0.50pt solid #000000;">&#160;</td>
<td style="border-bottom:0.50pt solid #000000;">&#160;</td>
<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;border-bottom:0.50pt solid #000000;">&#160;</td>
<td colspan="10" style="vertical-align:bottom;border-bottom:0.50pt solid #000000;"> <p style="font-family:Trebuchet MS;font-weight:bold;text-align:center;font-size:6pt;margin-bottom:0pt;margin-top:0pt">Cumulative <span style="white-space:nowrap">after-tax </span>&#32;<br />integration costs </p> <p style="font-family:Trebuchet MS;font-weight:bold;text-align:center;font-size:6pt;margin-bottom:0pt;margin-top:0pt">&#160;&#160;&#160;&#160;</p> </td>
<td style="border-bottom:0.50pt solid #000000;">&#160;</td> </tr>
<tr style="page-break-inside:avoid;font-size:6pt;">
<td style="vertical-align:bottom;"> <p style="font-family:Trebuchet MS;font-style:italic;text-align:left;font-size:6pt;margin-bottom:0pt;margin-top:0pt">($s in millions, except per share data) </p> </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: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"> <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:6pt;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:6pt;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 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"> <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:6pt;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:6pt;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 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"> <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:6pt;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:6pt;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 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">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:6pt;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="3" 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">Total </p> </td>
<td style="vertical-align:bottom;font-weight:bold;text-align:center;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td> </tr>
<tr style="font-size:0pt;page-break-inside:avoid;">
<td colspan="15" style="vertical-align:bottom;border-bottom:0.50pt solid #000000;">&#160;</td>
<td style="border-bottom:0.50pt solid #000000;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;border-bottom:0.50pt solid #000000;">&#160;</td>
<td colspan="10" style="vertical-align:bottom;border-bottom:0.50pt solid #000000;">&#160;</td>
<td style="border-bottom:0.50pt solid #000000;">&#160;</td>
<td style="border-bottom:0.50pt solid #000000;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;border-bottom:0.50pt solid #000000;">&#160;</td>
<td colspan="10" style="vertical-align:bottom;border-bottom:0.50pt solid #000000;">&#160;</td>
<td style="border-bottom:0.50pt solid #000000;">&#160;</td>
<td style="border-bottom:0.50pt solid #000000;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;border-bottom:0.50pt solid #000000;">&#160;</td>
<td colspan="10" style="vertical-align:bottom;border-bottom:0.50pt solid #000000;">&#160;</td>
<td style="border-bottom:0.50pt solid #000000;">&#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-size:2pt;margin-bottom:1pt;margin-top:0">&#160;</p> <p style="font-family:Trebuchet MS;margin-left:2.00em;text-align:left;text-indent:-1.00em;font-size:6pt;margin-bottom:0pt;margin-top:0pt">Noninterest income </p> </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;"> <p style="font-family:Trebuchet MS;text-align:right;font-size:6pt;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:6pt;margin-bottom:0pt;margin-top:0pt;">$</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:6pt;margin-bottom:0pt;margin-top:0pt">&#8212; </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:6pt;margin-bottom:0pt;margin-top:0pt;">$</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; </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom: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;">$</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:6pt;margin-bottom:0pt;margin-top:0pt">&#8212; </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;"> <p style="font-family:Trebuchet MS;text-align:right;font-size:6pt;margin-bottom:0pt;margin-top:0pt"></p> </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:6pt;margin-bottom:0pt;margin-top:0pt;">$</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; </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom: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;">$</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:6pt;margin-bottom:0pt;margin-top:0pt">&#8212; </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:6pt;margin-bottom:0pt;margin-top:0pt;">$</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; </p> </td>
<td style="vertical-align: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:6pt;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:6pt;margin-bottom:0pt;margin-top:0pt;">$</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:6pt;margin-bottom:0pt;margin-top:0pt">&#8212; </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:6pt;margin-bottom:0pt;margin-top:0pt;">$</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; </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom: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;">$</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:6pt;margin-bottom:0pt;margin-top:0pt">&#8212; </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;"> <p style="font-family:Trebuchet MS;text-align:right;font-size:6pt;margin-bottom:0pt;margin-top:0pt"></p> </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:6pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">$</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:6pt;margin-bottom:0pt;margin-top:0pt">(3</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;">$</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:6pt;margin-bottom:0pt;margin-top:0pt">&#8212; </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:6pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">$</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;font-family:Trebuchet MS;font-size:6pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">) </td> </tr>
<tr style="page-break-inside:avoid;font-size:6pt;">
<td style="vertical-align:top;padding:0;"> <p style="font-size:4pt;margin-bottom:1pt;margin-top:0">&#160;</p> <p style="font-family:Trebuchet MS;margin-left:3.00em;text-align:left;text-indent:-1.00em;font-size:6pt;margin-bottom:0pt;margin-top:0pt">Salaries&#160;&#038; benefits </p> </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;"> <p style="font-family:Trebuchet MS;text-align:right;font-size:6pt;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:6pt;margin-bottom:0pt;margin-top:0pt;">$</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:6pt;margin-bottom:0pt;margin-top:0pt">&#8212; </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:6pt;margin-bottom:0pt;margin-top:0pt;">$</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; </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom: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;">$</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:6pt;margin-bottom:0pt;margin-top:0pt">&#8212; </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;"> <p style="font-family:Trebuchet MS;text-align:right;font-size:6pt;margin-bottom:0pt;margin-top:0pt"></p> </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:6pt;margin-bottom:0pt;margin-top:0pt;">$</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; </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom: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;">$</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:6pt;margin-bottom:0pt;margin-top:0pt">&#8212; </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:6pt;margin-bottom:0pt;margin-top:0pt;">$</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; </p> </td>
<td style="vertical-align: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:6pt;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:6pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">$</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:6pt;margin-bottom:0pt;margin-top:0pt">(1</p> </td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:6pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">) </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:6pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">$</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</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;">$</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:6pt;margin-bottom:0pt;margin-top:0pt">&#8212; </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;"> <p style="font-family:Trebuchet MS;text-align:right;font-size:6pt;margin-bottom:0pt;margin-top:0pt"></p> </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:6pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">$</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:6pt;margin-bottom:0pt;margin-top:0pt">(10</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;">$</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:6pt;margin-bottom:0pt;margin-top:0pt">&#8212; </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:6pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">$</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</p> </td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:6pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">) </td> </tr>
<tr style="background-color:#cceeff;page-break-inside:avoid;font-size:6pt;">
<td style="vertical-align:top;padding:0;"> <p style="font-size:2pt;margin-bottom:1pt;margin-top:0">&#160;</p> <p style="font-family:Trebuchet MS;margin-left:3.00em;text-align:left;text-indent:-1.00em;font-size:6pt;margin-bottom:0pt;margin-top:0pt">Equipment&#160;&#038; software </p> </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;"> <p style="font-family:Trebuchet MS;text-align:right;font-size:6pt;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: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">(1</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;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">(1</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">&#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;"> <p style="font-family:Trebuchet MS;text-align:right;font-size:6pt;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: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">(1</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;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">(1</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">&#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;"> <p style="font-family:Trebuchet MS;text-align:right;font-size:6pt;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: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; </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom: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; </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom: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; </p> </td>
<td style="vertical-align: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:6pt;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: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">(2</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">&#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: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">(2</p> </td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:6pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">) </td> </tr>
<tr style="page-break-inside:avoid;font-size:6pt;">
<td style="vertical-align:top;padding:0;"> <p style="font-size:2pt;margin-bottom:1pt;margin-top:0">&#160;</p> <p style="font-family:Trebuchet MS;margin-left:3.00em;text-align:left;text-indent:-1.00em;font-size:6pt;margin-bottom:0pt;margin-top:0pt">Outside services </p> </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;"> <p style="font-family:Trebuchet MS;text-align:right;font-size:6pt;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: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">(3</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;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">(2</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;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">(0.01</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;"> <p style="font-family:Trebuchet MS;text-align:right;font-size:6pt;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: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">(1</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;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">(1</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">&#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;"> <p style="font-family:Trebuchet MS;text-align:right;font-size:6pt;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: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">(4</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;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">(3</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;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">(0.01</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;"> <p style="font-family:Trebuchet MS;text-align:right;font-size:6pt;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: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">(13</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;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">(4</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;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">(17</p> </td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:6pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">) </td> </tr>
<tr style="background-color:#cceeff;page-break-inside:avoid;font-size:6pt;">
<td style="vertical-align:top;padding:0;"> <p style="font-size:2pt;margin-bottom:1pt;margin-top:0">&#160;</p> <p style="font-family:Trebuchet MS;margin-left:3.00em;text-align:left;text-indent:-1.00em;font-size:6pt;margin-bottom:0pt;margin-top:0pt">Occupancy </p> </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;"> <p style="font-family:Trebuchet MS;text-align:right;font-size:6pt;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: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; </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom: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; </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom: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; </p> </td>
<td style="vertical-align: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:6pt;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: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; </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom: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; </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom: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; </p> </td>
<td style="vertical-align: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:6pt;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: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; </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom: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; </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom: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; </p> </td>
<td style="vertical-align: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:6pt;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: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">(1</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">&#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: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">(1</p> </td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:6pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">) </td> </tr>
<tr style="page-break-inside:avoid;font-size:6pt;">
<td style="vertical-align:top;padding:0;"> <p style="font-size:2pt;margin-bottom:1pt;margin-top:0">&#160;</p> <p style="font-family:Trebuchet MS;margin-left:3.00em;text-align:left;text-indent:-1.00em;font-size:6pt;margin-bottom:0pt;margin-top:0pt">Other expense </p> </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;"> <p style="font-family:Trebuchet MS;text-align:right;font-size:6pt;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: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; </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom: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; </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom: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; </p> </td>
<td style="vertical-align: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:6pt;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: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; </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom: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; </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom: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; </p> </td>
<td style="vertical-align: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:6pt;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: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; </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom: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; </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom: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; </p> </td>
<td style="vertical-align: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:6pt;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: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">(3</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">&#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: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">(3</p> </td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:6pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">) </td> </tr>
<tr style="font-size:0pt;page-break-inside:avoid;">
<td colspan="15" style="vertical-align:bottom;border-bottom:0.50pt solid #000000;">&#160;</td>
<td style="border-bottom:0.50pt solid #000000;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;border-bottom:0.50pt solid #000000;">&#160;</td>
<td colspan="10" style="vertical-align:bottom;border-bottom:0.50pt solid #000000;">&#160;</td>
<td style="border-bottom:0.50pt solid #000000;">&#160;</td>
<td style="border-bottom:0.50pt solid #000000;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;border-bottom:0.50pt solid #000000;">&#160;</td>
<td colspan="10" style="vertical-align:bottom;border-bottom:0.50pt solid #000000;">&#160;</td>
<td style="border-bottom:0.50pt solid #000000;">&#160;</td>
<td style="border-bottom:0.50pt solid #000000;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;border-bottom:0.50pt solid #000000;">&#160;</td>
<td colspan="10" style="vertical-align:bottom;border-bottom:0.50pt solid #000000;">&#160;</td>
<td style="border-bottom:0.50pt solid #000000;">&#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:0.00em;font-size:6pt;margin-bottom:0pt;margin-top:0pt">Noninterest expense </p> </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;"> <p style="font-family:Trebuchet MS;text-align:right;font-size:6pt;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:6pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">$</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:6pt;margin-bottom:0pt;margin-top:0pt">(4</p> </td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:6pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">) </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:6pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">$</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;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;white-space:nowrap;">$</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:6pt;margin-bottom:0pt;margin-top:0pt">(0.01</p> </td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:6pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">) </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;"> <p style="font-family:Trebuchet MS;text-align:right;font-size:6pt;margin-bottom:0pt;margin-top:0pt"></p> </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:6pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">$</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:6pt;margin-bottom:0pt;margin-top:0pt">(2</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;white-space:nowrap;">$</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:6pt;margin-bottom:0pt;margin-top:0pt">(2</p> </td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:6pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">) </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:6pt;margin-bottom:0pt;margin-top:0pt;">$</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; </p> </td>
<td style="vertical-align: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:6pt;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:6pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">$</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:6pt;margin-bottom:0pt;margin-top:0pt">(5</p> </td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:6pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">) </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:6pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">$</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</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;white-space:nowrap;">$</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:6pt;margin-bottom:0pt;margin-top:0pt">(0.01</p> </td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:6pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">) </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;"> <p style="font-family:Trebuchet MS;text-align:right;font-size:6pt;margin-bottom:0pt;margin-top:0pt"></p> </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:6pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">$</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:6pt;margin-bottom:0pt;margin-top:0pt">(29</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;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">(4</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;white-space:nowrap;">$</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:6pt;margin-bottom:0pt;margin-top:0pt">(33</p> </td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:6pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">) </td> </tr>
<tr style="font-size:0pt;page-break-inside:avoid;">
<td colspan="15" style="vertical-align:bottom;border-bottom:0.50pt solid #000000;">&#160;</td>
<td style="border-bottom:0.50pt solid #000000;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;border-bottom:0.50pt solid #000000;">&#160;</td>
<td colspan="10" style="vertical-align:bottom;border-bottom:0.50pt solid #000000;">&#160;</td>
<td style="border-bottom:0.50pt solid #000000;">&#160;</td>
<td style="border-bottom:0.50pt solid #000000;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;border-bottom:0.50pt solid #000000;">&#160;</td>
<td colspan="10" style="vertical-align:bottom;border-bottom:0.50pt solid #000000;">&#160;</td>
<td style="border-bottom:0.50pt solid #000000;">&#160;</td>
<td style="border-bottom:0.50pt solid #000000;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;border-bottom:0.50pt solid #000000;">&#160;</td>
<td colspan="10" style="vertical-align:bottom;border-bottom:0.50pt solid #000000;">&#160;</td>
<td style="border-bottom:0.50pt solid #000000;">&#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">Total Integration costs </p> </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;"> <p style="font-family:Trebuchet MS;text-align:right;font-size:6pt;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:6pt;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:6pt;margin-bottom:0pt;margin-top:0pt">(4</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;white-space:nowrap;">$</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:6pt;margin-bottom:0pt;margin-top:0pt">(3</p> </td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:6pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">) </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:6pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">$</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;(0.01</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;"> <p style="font-family:Trebuchet MS;text-align:right;font-size:6pt;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:6pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">$</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:6pt;margin-bottom:0pt;margin-top:0pt">(2</p> </td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:6pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">) </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:6pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">$</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</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;">$</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:6pt;margin-bottom:0pt;margin-top:0pt">&#8212; </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;"> <p style="font-family:Trebuchet MS;text-align:right;font-size:6pt;margin-bottom:0pt;margin-top:0pt"></p> </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:6pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">$</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:6pt;margin-bottom:0pt;margin-top:0pt">(5</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;white-space:nowrap;">$</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:6pt;margin-bottom:0pt;margin-top:0pt">(4</p> </td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:6pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">) </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:6pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">$</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</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;"> <p style="font-family:Trebuchet MS;text-align:right;font-size:6pt;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:6pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">$</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:6pt;margin-bottom:0pt;margin-top:0pt">(32</p> </td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:6pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">) </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:6pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">$</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</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;white-space:nowrap;">$</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;(36</p> </td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:6pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">) </td> </tr>
<tr style="font-size:0pt;page-break-inside:avoid;">
<td colspan="15" style="vertical-align:bottom;border-bottom:0.50pt solid #000000;">&#160;</td>
<td style="border-bottom:0.50pt solid #000000;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;border-bottom:0.50pt solid #000000;">&#160;</td>
<td colspan="10" style="vertical-align:bottom;border-bottom:0.50pt solid #000000;">&#160;</td>
<td style="border-bottom:0.50pt solid #000000;">&#160;</td>
<td style="border-bottom:0.50pt solid #000000;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;border-bottom:0.50pt solid #000000;">&#160;</td>
<td colspan="10" style="vertical-align:bottom;border-bottom:0.50pt solid #000000;">&#160;</td>
<td style="border-bottom:0.50pt solid #000000;">&#160;</td>
<td style="border-bottom:0.50pt solid #000000;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;border-bottom:0.50pt solid #000000;">&#160;</td>
<td colspan="10" style="vertical-align:bottom;border-bottom:0.50pt solid #000000;">&#160;</td>
<td style="border-bottom:0.50pt solid #000000;">&#160;</td> </tr>
<tr style="font-size:1pt;">
<td style="height:29px;">&#160;</td>
<td style="height:29px;">&#160;</td>
<td style="height:29px;">&#160;</td>
<td style="height:29px;">&#160;</td>
<td colspan="10" style="height:29px;">&#160;</td>
<td style="height:29px;">&#160;</td>
<td style="height:29px;">&#160;</td>
<td style="height:29px;">&#160;</td>
<td style="height:29px;">&#160;</td>
<td colspan="10" style="height:29px;">&#160;</td>
<td style="height:29px;">&#160;</td>
<td style="height:29px;">&#160;</td>
<td style="height:29px;">&#160;</td>
<td style="height:29px;">&#160;</td>
<td colspan="10" style="height:29px;">&#160;</td>
<td style="height:29px;">&#160;</td>
<td style="height:29px;">&#160;</td>
<td style="height:29px;">&#160;</td>
<td style="height:29px;">&#160;</td>
<td colspan="2" style="height:29px;">&#160;</td>
<td style="height:29px;">&#160;</td>
<td style="height:29px;">&#160;</td>
<td colspan="2" style="height:29px;">&#160;</td>
<td style="height:29px;">&#160;</td>
<td style="height:29px;">&#160;</td>
<td colspan="3" style="height:29px;">&#160;</td>
<td style="height:29px;">&#160;</td> </tr>
<tr style="page-break-inside:avoid;font-size:6pt;">
<td style="white-space:nowrap;vertical-align:bottom;"> <p style="font-family:Trebuchet MS;font-weight:bold;text-align:left;font-size:6pt;margin-bottom:0pt;margin-top:0pt">Other notable items-primarily tax and TOP </p> <p style="font-size:1pt;margin-bottom:1pt;margin-top:0">&#160;</p> </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:6pt;margin-bottom:0pt;margin-top:0pt"></p> </td>
<td style="vertical-align:bottom;border-bottom:0.50pt solid #000000;">&#160;</td>
<td colspan="10" style="vertical-align:bottom;border-bottom:0.50pt solid #000000;"> <p style="font-family:Trebuchet MS;font-weight:bold;text-align:center;font-size:6pt;margin-bottom:0pt;margin-top:0pt">1Q20 </p> </td>
<td style="border-bottom:0.50pt solid #000000;">&#160;</td>
<td style="border-bottom:0.50pt solid #000000;">&#160;</td>
<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;border-bottom:0.50pt solid #000000;">&#160;</td>
<td colspan="10" style="vertical-align:bottom;border-bottom:0.50pt solid #000000;"> <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="border-bottom:0.50pt solid #000000;">&#160;</td>
<td style="border-bottom:0.50pt solid #000000;">&#160;</td>
<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;border-bottom:0.50pt solid #000000;">&#160;</td>
<td colspan="10" style="vertical-align:bottom;border-bottom:0.50pt solid #000000;"> <p style="font-family:Trebuchet MS;font-weight:bold;text-align:center;font-size:6pt;margin-bottom:0pt;margin-top:0pt">1Q19 </p> </td>
<td style="border-bottom:0.50pt solid #000000;">&#160;</td>
<td style="border-bottom:0.50pt solid #000000;">&#160;</td>
<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 rowspan="18" style="vertical-align:bottom;">&#160;</td>
<td rowspan="18" 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 rowspan="18" style="vertical-align:bottom;font-weight:bold;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td rowspan="18" style="vertical-align:bottom;">&#160;</td>
<td rowspan="18" 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 rowspan="18" style="vertical-align:bottom;font-weight:bold;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td rowspan="18" style="vertical-align:bottom;">&#160;</td>
<td rowspan="18" colspan="3" 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 rowspan="18" style="vertical-align:bottom;font-weight:bold;text-align:center;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:bottom;"> <p style="font-family:Trebuchet MS;font-style:italic;text-align:left;font-size:6pt;margin-bottom:0pt;margin-top:0pt">($s in millions, except per share data) </p> </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: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"> <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:6pt;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:6pt;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 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"> <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:6pt;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:6pt;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 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"> <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:6pt;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:6pt;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 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> </tr>
<tr style="font-size:0pt;page-break-inside:avoid;">
<td colspan="15" style="vertical-align:bottom;border-bottom:0.50pt solid #000000;">&#160;</td>
<td style="border-bottom:0.50pt solid #000000;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;border-bottom:0.50pt solid #000000;">&#160;</td>
<td colspan="10" style="vertical-align:bottom;border-bottom:0.50pt solid #000000;">&#160;</td>
<td style="border-bottom:0.50pt solid #000000;">&#160;</td>
<td style="border-bottom:0.50pt solid #000000;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;border-bottom:0.50pt solid #000000;">&#160;</td>
<td colspan="10" style="vertical-align:bottom;border-bottom:0.50pt solid #000000;">&#160;</td>
<td style="border-bottom:0.50pt solid #000000;">&#160;</td>
<td style="border-bottom:0.50pt solid #000000;">&#160;</td>
<td style="vertical-align:bottom;">&#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-size:3pt;margin-bottom:1pt;margin-top:0">&#160;</p> <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">Tax notable items </p> </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;"> <p style="font-family:Trebuchet MS;text-align:right;font-size:6pt;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:6pt;margin-bottom:0pt;margin-top:0pt;">$</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:6pt;margin-bottom:0pt;margin-top:0pt">&#8212; </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:6pt;margin-bottom:0pt;margin-top:0pt;">$</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; </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom: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;">$</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:6pt;margin-bottom:0pt;margin-top:0pt">&#8212; </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;"> <p style="font-family:Trebuchet MS;text-align:right;font-size:6pt;margin-bottom:0pt;margin-top:0pt"></p> </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:6pt;margin-bottom:0pt;margin-top:0pt;">$</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; </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom: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;">$</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:6pt;margin-bottom:0pt;margin-top:0pt">24 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:6pt;margin-bottom:0pt;margin-top:0pt;">$</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:6pt;margin-bottom:0pt;margin-top:0pt">0.06 </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;"> <p style="font-family:Trebuchet MS;text-align:right;font-size:6pt;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:6pt;margin-bottom:0pt;margin-top:0pt;">$</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:6pt;margin-bottom:0pt;margin-top:0pt">&#8212; </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:6pt;margin-bottom:0pt;margin-top:0pt;">$</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; </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom: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;">$</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; </p> </td>
<td style="vertical-align: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:6pt;margin-bottom:0pt;margin-top:0pt"></p> </td> </tr>
<tr style="page-break-inside:avoid;font-size:6pt;">
<td style="vertical-align:top;padding:0;"> <p style="font-size:3pt;margin-bottom:1pt;margin-top:0">&#160;</p> <p style="font-family:Trebuchet MS;font-style:italic;margin-left:1.00em;text-align:left;text-indent:-1.00em;font-size:6pt;margin-bottom:0pt;margin-top:0pt">Other notable items&#8212;TOP&#160;&#038; other actions </p> </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;"> <p style="font-family:Trebuchet MS;text-align:right;font-size:6pt;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: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"></p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom: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"></p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom: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"></p> </td>
<td style="vertical-align: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:6pt;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: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"></p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom: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"></p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom: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"></p> </td>
<td style="vertical-align: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:6pt;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: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"></p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom: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"></p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom: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"></p> </td>
<td style="vertical-align: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:6pt;margin-bottom:0pt;margin-top:0pt"></p> </td> </tr>
<tr style="background-color:#cceeff;page-break-inside:avoid;font-size:6pt;">
<td style="vertical-align:top;padding:0;"> <p style="font-size:4pt;margin-bottom:1pt;margin-top:0">&#160;</p> <p style="font-family:Trebuchet MS;margin-left:3.00em;text-align:left;text-indent:-1.00em;font-size:6pt;margin-bottom:0pt;margin-top:0pt">Salaries&#160;&#038; benefits </p> </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;"> <p style="font-family:Trebuchet MS;text-align:right;font-size:6pt;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: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</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;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">(7</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;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">(0.02</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;"> <p style="font-family:Trebuchet MS;text-align:right;font-size:6pt;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: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">(6</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;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">(5</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;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">(0.01</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;"> <p style="font-family:Trebuchet MS;text-align:right;font-size:6pt;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: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; </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom: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; </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom: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; </p> </td>
<td style="vertical-align: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:6pt;margin-bottom:0pt;margin-top:0pt"></p> </td> </tr>
<tr style="page-break-inside:avoid;font-size:6pt;">
<td style="vertical-align:top;padding:0;"> <p style="font-size:2pt;margin-bottom:1pt;margin-top:0">&#160;</p> <p style="font-family:Trebuchet MS;margin-left:3.00em;text-align:left;text-indent:-1.00em;font-size:6pt;margin-bottom:0pt;margin-top:0pt">Equipment&#160;&#038; software </p> </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;"> <p style="font-family:Trebuchet MS;text-align:right;font-size:6pt;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: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; </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: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; </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: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; </p> </td>
<td style="vertical-align: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:6pt;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: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">(2</p> </td>
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<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">(1</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">&#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;"> <p style="font-family:Trebuchet MS;text-align:right;font-size:6pt;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: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; </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom: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; </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom: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; </p> </td>
<td style="vertical-align: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:6pt;margin-bottom:0pt;margin-top:0pt"></p> </td> </tr>
<tr style="background-color:#cceeff;page-break-inside:avoid;font-size:6pt;">
<td style="vertical-align:top;padding:0;"> <p style="font-size:2pt;margin-bottom:1pt;margin-top:0">&#160;</p> <p style="font-family:Trebuchet MS;margin-left:3.00em;text-align:left;text-indent:-1.00em;font-size:6pt;margin-bottom:0pt;margin-top:0pt">Outside services </p> </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;"> <p style="font-family:Trebuchet MS;text-align:right;font-size:6pt;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: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">(15</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;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">(12</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;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">(0.02</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;"> <p style="font-family:Trebuchet MS;text-align:right;font-size:6pt;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: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">(19</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;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">(14</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;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">(0.03</p> </td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:6pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">) </td>
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<td style="vertical-align:bottom;"> <p style="font-family:Trebuchet MS;text-align:right;font-size:6pt;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: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; </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom: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; </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom: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; </p> </td>
<td style="vertical-align: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:6pt;margin-bottom:0pt;margin-top:0pt"></p> </td> </tr>
<tr style="page-break-inside:avoid;font-size:6pt;">
<td style="vertical-align:top;padding:0;"> <p style="font-size:2pt;margin-bottom:1pt;margin-top:0">&#160;</p> <p style="font-family:Trebuchet MS;margin-left:3.00em;text-align:left;text-indent:-1.00em;font-size:6pt;margin-bottom:0pt;margin-top:0pt">Occupancy </p> </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;"> <p style="font-family:Trebuchet MS;text-align:right;font-size:6pt;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: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">(4</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;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">(3</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;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">(0.01</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;"> <p style="font-family:Trebuchet MS;text-align:right;font-size:6pt;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: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">(8</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;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">(6</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;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">(0.01</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;"> <p style="font-family:Trebuchet MS;text-align:right;font-size:6pt;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: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; </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom: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; </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom: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; </p> </td>
<td style="vertical-align: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:6pt;margin-bottom:0pt;margin-top:0pt"></p> </td> </tr>
<tr style="font-size:0pt;page-break-inside:avoid;">
<td colspan="15" style="vertical-align:bottom;border-bottom:0.50pt solid #000000;">&#160;</td>
<td style="border-bottom:0.50pt solid #000000;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;border-bottom:0.50pt solid #000000;">&#160;</td>
<td colspan="10" style="vertical-align:bottom;border-bottom:0.50pt solid #000000;">&#160;</td>
<td style="border-bottom:0.50pt solid #000000;">&#160;</td>
<td style="border-bottom:0.50pt solid #000000;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;border-bottom:0.50pt solid #000000;">&#160;</td>
<td colspan="10" style="vertical-align:bottom;border-bottom:0.50pt solid #000000;">&#160;</td>
<td style="border-bottom:0.50pt solid #000000;">&#160;</td>
<td style="border-bottom:0.50pt solid #000000;">&#160;</td>
<td style="vertical-align:bottom;">&#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:0.00em;font-size:6pt;margin-bottom:0pt;margin-top:0pt">Noninterest expense </p> </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;"> <p style="font-family:Trebuchet MS;text-align:right;font-size:6pt;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:6pt;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:6pt;margin-bottom:0pt;margin-top:0pt">(29</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;white-space:nowrap;">$</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:6pt;margin-bottom:0pt;margin-top:0pt">(22</p> </td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:6pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">) </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:6pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">$</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:6pt;margin-bottom:0pt;margin-top:0pt">(0.05</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;"> <p style="font-family:Trebuchet MS;text-align:right;font-size:6pt;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:6pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">$</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:6pt;margin-bottom:0pt;margin-top:0pt">(35</p> </td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:6pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">) </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:6pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">$</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:6pt;margin-bottom:0pt;margin-top:0pt">(26</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;white-space:nowrap;">$</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:6pt;margin-bottom:0pt;margin-top:0pt">(0.05</p> </td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:6pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">) </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;"> <p style="font-family:Trebuchet MS;text-align:right;font-size:6pt;margin-bottom:0pt;margin-top:0pt"></p> </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:6pt;margin-bottom:0pt;margin-top:0pt;">$</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; </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom: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;">$</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:6pt;margin-bottom:0pt;margin-top:0pt">&#8212; </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:6pt;margin-bottom:0pt;margin-top:0pt;">$</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; </p> </td>
<td style="vertical-align: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:6pt;margin-bottom:0pt;margin-top:0pt"></p> </td> </tr>
<tr style="font-size:0pt;page-break-inside:avoid;">
<td colspan="15" style="vertical-align:bottom;border-bottom:0.50pt solid #000000;">&#160;</td>
<td style="border-bottom:0.50pt solid #000000;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;border-bottom:0.50pt solid #000000;">&#160;</td>
<td colspan="10" style="vertical-align:bottom;border-bottom:0.50pt solid #000000;">&#160;</td>
<td style="border-bottom:0.50pt solid #000000;">&#160;</td>
<td style="border-bottom:0.50pt solid #000000;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;border-bottom:0.50pt solid #000000;">&#160;</td>
<td colspan="10" style="vertical-align:bottom;border-bottom:0.50pt solid #000000;">&#160;</td>
<td style="border-bottom:0.50pt solid #000000;">&#160;</td>
<td style="border-bottom:0.50pt solid #000000;">&#160;</td>
<td style="vertical-align:bottom;">&#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">Total other notable items </p> </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;"> <p style="font-family:Trebuchet MS;text-align:right;font-size:6pt;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:6pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">$</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:6pt;margin-bottom:0pt;margin-top:0pt">(29</p> </td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:6pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">) </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:6pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">$</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:6pt;margin-bottom:0pt;margin-top:0pt">(22</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;white-space:nowrap;">$</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:6pt;margin-bottom:0pt;margin-top:0pt">&#160;&#160;(0.05</p> </td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:6pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">) </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;"> <p style="font-family:Trebuchet MS;text-align:right;font-size:6pt;margin-bottom:0pt;margin-top:0pt"></p> </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:6pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">$</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:6pt;margin-bottom:0pt;margin-top:0pt">(35</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;white-space:nowrap;">$</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:6pt;margin-bottom:0pt;margin-top:0pt">(2</p> </td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:6pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">) </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:6pt;margin-bottom:0pt;margin-top:0pt;">$</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; </p> </td>
<td style="vertical-align: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:6pt;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:6pt;margin-bottom:0pt;margin-top:0pt;">$</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:6pt;margin-bottom:0pt;margin-top:0pt">&#8212; </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:6pt;margin-bottom:0pt;margin-top:0pt;">$</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; </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom: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;">$</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; </p> </td>
<td style="vertical-align: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:6pt;margin-bottom:0pt;margin-top:0pt"></p> </td> </tr>
<tr style="font-size:0pt;page-break-inside:avoid;">
<td colspan="15" style="vertical-align:bottom;border-bottom:0.50pt solid #000000;">&#160;</td>
<td style="border-bottom:0.50pt solid #000000;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;border-bottom:0.50pt solid #000000;">&#160;</td>
<td colspan="10" style="vertical-align:bottom;border-bottom:0.50pt solid #000000;">&#160;</td>
<td style="border-bottom:0.50pt solid #000000;">&#160;</td>
<td style="border-bottom:0.50pt solid #000000;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;border-bottom:0.50pt solid #000000;">&#160;</td>
<td colspan="10" style="vertical-align:bottom;border-bottom:0.50pt solid #000000;">&#160;</td>
<td style="border-bottom:0.50pt solid #000000;">&#160;</td>
<td style="border-bottom:0.50pt solid #000000;">&#160;</td>
<td style="vertical-align:bottom;">&#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">&#160;&#160;&#160;&#160;</p> </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;"> <p style="font-family:Trebuchet MS;text-align:right;font-size:6pt;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: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"></p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom: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"></p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom: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"></p> </td>
<td style="vertical-align: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:6pt;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: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"></p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom: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"></p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom: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"></p> </td>
<td style="vertical-align: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:6pt;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: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"></p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom: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"></p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom: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"></p> </td>
<td style="vertical-align: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:6pt;margin-bottom:0pt;margin-top:0pt"></p> </td> </tr>
<tr style="font-size:0pt;page-break-inside:avoid;">
<td colspan="15" style="vertical-align:bottom;border-bottom:0.50pt solid #000000;">&#160;</td>
<td style="border-bottom:0.50pt solid #000000;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;border-bottom:0.50pt solid #000000;">&#160;</td>
<td colspan="10" style="vertical-align:bottom;border-bottom:0.50pt solid #000000;">&#160;</td>
<td style="border-bottom:0.50pt solid #000000;">&#160;</td>
<td style="border-bottom:0.50pt solid #000000;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;border-bottom:0.50pt solid #000000;">&#160;</td>
<td colspan="10" style="vertical-align:bottom;border-bottom:0.50pt solid #000000;">&#160;</td>
<td style="border-bottom:0.50pt solid #000000;">&#160;</td>
<td style="border-bottom:0.50pt solid #000000;">&#160;</td>
<td style="vertical-align:bottom;">&#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;font-weight:bold;margin-left:0.00em;text-align:left;text-indent:0.00em;font-size:6pt;margin-bottom:0pt;margin-top:0pt">Total notable items </p> </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;"> <p style="font-family:Trebuchet MS;font-weight:bold;text-align:right;font-size:6pt;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-weight:bold;font-size:6pt;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:6pt;margin-bottom:0pt;margin-top:0pt">(33</p> </td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-weight:bold;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-weight:bold;font-size:6pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">$</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-weight:bold;font-size:6pt;margin-bottom:0pt;margin-top:0pt">(25</p> </td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-weight:bold;font-size:6pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">) </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-weight:bold;font-size:6pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">$</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-weight:bold;font-size:6pt;margin-bottom:0pt;margin-top:0pt">(0.06</p> </td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-weight:bold;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;"> <p style="font-family:Trebuchet MS;font-weight:bold;text-align:right;font-size:6pt;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-weight:bold;font-size:6pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">$</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-weight:bold;font-size:6pt;margin-bottom:0pt;margin-top:0pt">(37</p> </td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-weight:bold;font-size:6pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">) </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-weight:bold;font-size:6pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">$</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-weight:bold;font-size:6pt;margin-bottom:0pt;margin-top:0pt">(4</p> </td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-weight:bold;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-weight:bold;font-size:6pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">$</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-weight:bold;font-size:6pt;margin-bottom:0pt;margin-top:0pt">(0.01</p> </td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-weight:bold;font-size:6pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">) </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;"> <p style="font-family:Trebuchet MS;font-weight:bold;text-align:right;font-size:6pt;margin-bottom:0pt;margin-top:0pt"></p> </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-weight:bold;font-size:6pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">$</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-weight:bold;font-size:6pt;margin-bottom:0pt;margin-top:0pt">(5</p> </td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-weight:bold;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-weight:bold;font-size:6pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">$</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-weight:bold;font-size:6pt;margin-bottom:0pt;margin-top:0pt">(4</p> </td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-weight:bold;font-size:6pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">) </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-weight:bold;font-size:6pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">$</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-weight:bold;font-size:6pt;margin-bottom:0pt;margin-top:0pt">&#160;&#160;(0.01</p> </td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-weight:bold;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;"> <p style="font-family:Trebuchet MS;font-weight:bold;text-align:right;font-size:6pt;margin-bottom:0pt;margin-top:0pt"></p> </td> </tr>
<tr style="font-size:0pt;page-break-inside:avoid;">
<td colspan="15" style="vertical-align:bottom;border-bottom:0.50pt solid #000000;">&#160;</td>
<td style="border-bottom:0.50pt solid #000000;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;border-bottom:0.50pt solid #000000;">&#160;</td>
<td colspan="10" style="vertical-align:bottom;border-bottom:0.50pt solid #000000;">&#160;</td>
<td style="border-bottom:0.50pt solid #000000;">&#160;</td>
<td style="border-bottom:0.50pt solid #000000;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;border-bottom:0.50pt solid #000000;">&#160;</td>
<td colspan="10" style="vertical-align:bottom;border-bottom:0.50pt solid #000000;">&#160;</td>
<td style="border-bottom:0.50pt solid #000000;">&#160;</td>
<td style="border-bottom:0.50pt solid #000000;">&#160;</td>
<td style="vertical-align:bottom;">&#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">8</p> <div></div> </div>

 </div>



<p style="margin-top:1em; margin-bottom:0em; 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:9pt;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:11pt;margin-bottom:0px;margin-top:14pt">Underlying results: </p>
<table cellspacing="0" cellpadding="0" border="0" style="font-size:8pt;border-collapse:separate;border-spacing:0;width:80%;margin-bottom:0px;margin-top:12pt;margin-left:auto;margin-right:auto">
<tr>
<td style="width:68%;"></td>
<td style="width:2%;"></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;border-bottom:0.50pt solid #000000;">&#160;</td>
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<td style="border-bottom:0.50pt solid #000000;">&#160;</td> </tr>
<tr style="font-size:1pt;">
<td style="height:8px;">&#160;</td>
<td style="height:8px;">&#160;</td>
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<td style="height:8px;">&#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;border-bottom:0.50pt solid #000000;">&#160;</td>
<td colspan="8" style="border-bottom:0.50pt 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">1Q20&#160;change&#160;from </p> <p style="font-size:0pt;margin-bottom:1pt;margin-top:0">&#160;</p> </td>
<td style="border-bottom:0.50pt solid #000000;">&#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">1Q20 </p> </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">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">1Q19 </p> </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">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 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">1Q19</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="vertical-align:bottom;border-bottom:0.50pt solid #000000;">&#160;</td>
<td style="border-bottom:0.50pt solid #000000;">&#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;border-bottom:0.50pt solid #000000;">&#160;</td>
<td colspan="8" style="vertical-align:bottom;border-bottom:0.50pt solid #000000;">&#160;</td>
<td style="border-bottom:0.50pt solid #000000;">&#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 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">1,160 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td 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">1,160 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</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;">&#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">&#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;% </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;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">497 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</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">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"></p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">&#160;</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;&#32;</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">16 </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="vertical-align:bottom;border-bottom:0.50pt solid #000000;">&#160;</td>
<td style="border-bottom:0.50pt solid #000000;">&#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;border-bottom:0.50pt solid #000000;">&#160;</td>
<td colspan="8" style="vertical-align:bottom;border-bottom:0.50pt solid #000000;">&#160;</td>
<td style="border-bottom:0.50pt solid #000000;">&#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 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;">$</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">&#160;&#160;&#160;&#160;&#160;1,657 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">$</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;1,637 </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">&#160;&#160;&#160;&#160;&#160;1,588 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</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;">&#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">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;% </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 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">1,012 </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">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">937 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</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</p> </td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">&#160;&#32;</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">8 </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">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">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:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</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">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"></p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">&#160;</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;"> <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">NM </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="vertical-align:bottom;border-bottom:0.50pt solid #000000;">&#160;</td>
<td style="border-bottom:0.50pt solid #000000;">&#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;border-bottom:0.50pt solid #000000;">&#160;</td>
<td colspan="8" style="vertical-align:bottom;border-bottom:0.50pt solid #000000;">&#160;</td>
<td style="border-bottom:0.50pt solid #000000;">&#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 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">979 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td 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">932 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</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</p> </td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">&#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">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;% </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 <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">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">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">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"></p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">&#160;</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;"> <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 </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">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">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">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">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"></p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</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;"> <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">NM </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="vertical-align:bottom;border-bottom:0.50pt solid #000000;">&#160;</td>
<td style="border-bottom:0.50pt solid #000000;">&#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;border-bottom:0.50pt solid #000000;">&#160;</td>
<td colspan="8" style="vertical-align:bottom;border-bottom:0.50pt solid #000000;">&#160;</td>
<td style="border-bottom:0.50pt solid #000000;">&#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 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">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">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">424 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</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">(97</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;"> <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">(97</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 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">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">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">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"></p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">(91</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;"> <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">(91</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="vertical-align:bottom;border-bottom:0.50pt solid #000000;">&#160;</td>
<td style="border-bottom:0.50pt solid #000000;">&#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;border-bottom:0.50pt solid #000000;">&#160;</td>
<td colspan="8" style="vertical-align:bottom;border-bottom:0.50pt solid #000000;">&#160;</td>
<td style="border-bottom:0.50pt solid #000000;">&#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">Key performance metrics* </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;"> <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: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="font-size:0pt;page-break-inside:avoid;">
<td colspan="13" style="vertical-align:bottom;border-bottom:0.50pt solid #000000;">&#160;</td>
<td style="border-bottom:0.50pt solid #000000;">&#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;border-bottom:0.50pt solid #000000;">&#160;</td>
<td colspan="8" style="vertical-align:bottom;border-bottom:0.50pt solid #000000;">&#160;</td>
<td style="border-bottom:0.50pt solid #000000;">&#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">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;">$</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">0.03 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">$</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">0.92 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</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">(97&#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;"> <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">(97&#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="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 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">0.09 </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: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">0.93 </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"></p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">&#160;</td>
<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;</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;"> <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">(90&#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">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">61</p> </td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">&#160;% </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">&#160;</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;% </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">&#160;</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;% </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</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">82</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 </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">210</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 </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 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">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">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">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">106 </p> </td>
<td style="vertical-align: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">41 </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="vertical-align:bottom;border-bottom:0.50pt solid #000000;">&#160;</td>
<td style="border-bottom:0.50pt solid #000000;">&#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;border-bottom:0.50pt solid #000000;">&#160;</td>
<td colspan="8" style="vertical-align:bottom;border-bottom:0.50pt solid #000000;">&#160;</td>
<td style="border-bottom:0.50pt solid #000000;">&#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">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;">&#160;</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">(1.4</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;"> <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">(3.7</p> </td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">) </td> </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 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;">&#160;</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">(1.9&#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;white-space:nowrap;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">(0.7&#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>
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<td style="border-bottom:0.50pt solid #000000;">&#160;</td>
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<td style="vertical-align:bottom;border-bottom:0.50pt solid #000000;">&#160;</td>
<td style="vertical-align:bottom;border-bottom:0.50pt solid #000000;">&#160;</td>
<td style="vertical-align:bottom;border-bottom:0.50pt solid #000000;">&#160;</td>
<td style="vertical-align:bottom;padding-right:2pt;border-bottom:0.50pt solid #000000;">&#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">9</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;font-style:Italic;text-align:left;font-size:11pt;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> <p style="font-size:2pt;margin-bottom:1pt;margin-top:0">&#160;</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;border-bottom:0.75pt solid #000000;">&#160;</td>
<td colspan="18" style="border-bottom:0.75pt 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">1Q20 change from </p> <p style="font-size:2pt;margin-bottom:1pt;margin-top:0">&#160;</p> </td>
<td style="border-bottom:0.75pt solid #000000;">&#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) </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">1Q20 </p> </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">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">1Q19 </p> </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="8" 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;4Q19 </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"></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">1Q19 </p> </td>
<td>&#160;</td> </tr>
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<td colspan="17" style="vertical-align:bottom;border-bottom:0.75pt solid #000000;">&#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>
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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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<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">$/bps </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;"> <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 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;</p> </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="3" 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;text-align:center;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td> </tr>
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<td style="border-bottom:0.75pt solid #000000;">&#160;</td> </tr>
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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;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>
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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>
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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;"> <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:top;">&#160;</td>
<td colspan="8" 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>&#160;</td>
<td>&#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">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">&#160;&#160;&#160;&#160;&#160;1,326 </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;">$</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">&#160;&#160;&#160;&#160;&#160;1,335 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">$</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">&#160;&#160;&#160;&#160;&#160;1,396 </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;">$</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">(9</p> </td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">) </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;"> <p style="font-family:Trebuchet MS;text-align:right;font-size:8pt;margin-bottom:0pt;margin-top:0pt"></p> </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">(1</p> </td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">)% &#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;"> <p style="font-family:Trebuchet MS;text-align:right;font-size:8pt;margin-bottom:0pt;margin-top:0pt"></p> </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">$</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;(70</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>
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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: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">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">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">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;white-space:nowrap;">&#160;</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;"> <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">(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;"> <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">(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">(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> </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">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">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;white-space:nowrap;">&#160;</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;"> <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">(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;"> <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">(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">(38</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="17" style="vertical-align:bottom;border-bottom:0.75pt solid #000000;">&#160;</td>
<td style="border-bottom:0.75pt solid #000000;">&#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;">&#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;border-bottom:0.75pt solid #000000;">&#160;</td>
<td style="vertical-align:bottom;border-bottom:0.75pt solid #000000;">&#160;</td>
<td style="vertical-align:bottom;border-bottom:0.75pt solid #000000;">&#160;</td>
<td style="vertical-align:bottom;padding-right:2pt;border-bottom:0.75pt solid #000000;">&#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;">$</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">1,478 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">$</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;">$</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">1,570 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">$</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;"> <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">(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;</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;">$</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</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;</td> </tr>
<tr style="font-size:0pt;page-break-inside:avoid;">
<td colspan="17" style="vertical-align:bottom;border-bottom:0.75pt solid #000000;">&#160;</td>
<td style="border-bottom:0.75pt solid #000000;">&#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;">&#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;border-bottom:0.75pt solid #000000;">&#160;</td>
<td style="vertical-align:bottom;border-bottom:0.75pt solid #000000;">&#160;</td>
<td style="vertical-align:bottom;border-bottom:0.75pt solid #000000;">&#160;</td>
<td style="vertical-align:bottom;padding-right:2pt;border-bottom:0.75pt solid #000000;">&#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;"> <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:top;">&#160;</td>
<td colspan="8" 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>&#160;</td>
<td>&#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">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">227 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td 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">287 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">$</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">(36</p> </td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">) </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;"> <p style="font-family:Trebuchet MS;text-align:right;font-size:8pt;margin-bottom:0pt;margin-top:0pt"></p> </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">(14</p> </td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">)% &#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;"> <p style="font-family:Trebuchet MS;text-align:right;font-size:8pt;margin-bottom:0pt;margin-top:0pt"></p> </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">$</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;">) </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">&#160;</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;">)% &#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">Short-term 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;">&#160;</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;white-space:nowrap;">&#160;</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;"> <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">(100</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;"> <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">(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">(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> </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</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">90 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</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">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;white-space:nowrap;">&#160;</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;"> <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">(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;"> <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">(31</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">(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> </tr>
<tr style="font-size:0pt;page-break-inside:avoid;">
<td colspan="17" style="vertical-align:bottom;border-bottom:0.50pt solid #000000;">&#160;</td>
<td style="border-bottom:0.50pt solid #000000;">&#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;">&#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;border-bottom:0.50pt solid #000000;">&#160;</td>
<td style="vertical-align:bottom;border-bottom:0.50pt solid #000000;">&#160;</td>
<td style="vertical-align:bottom;border-bottom:0.50pt solid #000000;">&#160;</td>
<td style="vertical-align:bottom;padding-right:2pt;border-bottom:0.50pt solid #000000;">&#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 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;">$</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">318 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">$</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;">$</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">410 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">$</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">&#160;&#160;&#160;&#160;&#160;(40</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;"> <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">(11</p> </td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">)% &#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;">$</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</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;">)% &#160;</td> </tr>
<tr style="font-size:0pt;page-break-inside:avoid;">
<td colspan="17" style="vertical-align:bottom;border-bottom:0.75pt solid #000000;">&#160;</td>
<td style="border-bottom:0.75pt solid #000000;">&#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;">&#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;border-bottom:0.75pt solid #000000;">&#160;</td>
<td style="vertical-align:bottom;border-bottom:0.75pt solid #000000;">&#160;</td>
<td style="vertical-align:bottom;border-bottom:0.75pt solid #000000;">&#160;</td>
<td style="vertical-align:bottom;padding-right:2pt;border-bottom:0.75pt solid #000000;">&#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 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">1,160 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td 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">1,160 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">$</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">17 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;"> <p style="font-family:Trebuchet MS;text-align:right;font-size:8pt;margin-bottom:0pt;margin-top:0pt"></p> </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">1</p> </td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">&#160;% </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;"> <p style="font-family:Trebuchet MS;text-align:right;font-size:8pt;margin-bottom:0pt;margin-top:0pt"></p> </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">$</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">&#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> </tr>
<tr style="font-size:0pt;page-break-inside:avoid;">
<td colspan="17" style="vertical-align:bottom;border-bottom:0.75pt solid #000000;">&#160;</td>
<td style="border-bottom:0.75pt solid #000000;">&#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;">&#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;border-bottom:0.75pt solid #000000;">&#160;</td>
<td style="vertical-align:bottom;border-bottom:0.75pt solid #000000;">&#160;</td>
<td style="vertical-align:bottom;border-bottom:0.75pt solid #000000;">&#160;</td>
<td style="vertical-align:bottom;padding-right:2pt;border-bottom:0.75pt solid #000000;">&#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:3pt;">
<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:2pt;margin-bottom:0pt;margin-top:0pt">&#160;&#160;&#160;&#160;</p> </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:3pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:3pt;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:3pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:3pt;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:3pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:3pt;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:3pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:3pt;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;"> <p style="font-family:Trebuchet MS;text-align:right;font-size:3pt;margin-bottom:0pt;margin-top:0pt"></p> </td>
<td style="vertical-align:top;">&#160;</td>
<td colspan="8" style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:3pt;margin-bottom:0pt;margin-top:0pt"></p> </td>
<td>&#160;</td>
<td>&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:3pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:3pt;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;">
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<td style="border-bottom:0.75pt solid #000000;">&#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>
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<td style="vertical-align:bottom;border-bottom:0.75pt solid #000000;">&#160;</td>
<td style="vertical-align:bottom;border-bottom:0.75pt solid #000000;">&#160;</td>
<td style="vertical-align:bottom;border-bottom:0.75pt solid #000000;">&#160;</td>
<td style="vertical-align:bottom;padding-right:2pt;border-bottom:0.75pt solid #000000;">&#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;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">&#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;">&#160;% </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">&#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;">&#160;% </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">&#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;">&#160;% </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">&#160;</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;bps </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;"> <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">(15</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 </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</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="17" style="vertical-align:bottom;border-bottom:0.75pt solid #000000;">&#160;</td>
<td style="border-bottom:0.75pt solid #000000;">&#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;">&#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;border-bottom:0.75pt solid #000000;">&#160;</td>
<td style="vertical-align:bottom;border-bottom:0.75pt solid #000000;">&#160;</td>
<td style="vertical-align:bottom;border-bottom:0.75pt solid #000000;">&#160;</td>
<td style="vertical-align:bottom;padding-right:2pt;border-bottom:0.75pt solid #000000;">&#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="font-size:4pt;page-break-inside:avoid;">
<td colspan="32" style="vertical-align:top;padding:0;"> <p style="font-size:4pt;margin-bottom:1pt;margin-top:0">&#160;</p> </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> <p style="font-size:2pt;margin-bottom:1pt;margin-top:0">&#160;</p> </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>
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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"></p> </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;border-bottom:0.50pt solid #000000;">&#160;</td>
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<td style="border-bottom:0.50pt solid #000000;">&#160;</td> </tr>
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<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">1Q20 </p> </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">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">1Q19 </p> </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="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">4Q19 </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">1Q19 </p> </td>
<td>&#160;</td> </tr>
<tr style="font-size:0pt;page-break-inside:avoid;">
<td colspan="15" style="vertical-align:bottom;border-bottom:0.50pt solid #000000;">&#160;</td>
<td style="border-bottom:0.50pt solid #000000;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;border-bottom:0.50pt solid #000000;">&#160;</td>
<td colspan="14" style="vertical-align:bottom;border-bottom:0.50pt solid #000000;">&#160;</td>
<td style="border-bottom:0.50pt solid #000000;">&#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"></p> </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"></p> </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">$</p> </td>
<td style="vertical-align:bottom;font-weight:bold;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
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<td colspan="2" style="vertical-align:bottom;"> <p style="font-family:Trebuchet MS;font-weight:bold;text-align:center;font-size:8pt;margin-bottom:0pt;margin-top:0pt">%</p> </td>
<td style="vertical-align:bottom;font-weight:bold;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
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<td colspan="2" style="vertical-align:bottom;"> <p style="font-family:Trebuchet MS;font-weight:bold;text-align:center;font-size:8pt;margin-bottom:0pt;margin-top:0pt">$</p> </td>
<td style="vertical-align:bottom;font-weight:bold;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<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;">&#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;border-bottom:0.50pt solid #000000;">&#160;</td>
<td colspan="6" style="vertical-align:bottom;border-bottom:0.50pt solid #000000;">&#160;</td>
<td style="border-bottom:0.50pt solid #000000;">&#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: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;"> <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;">$</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">118 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">$</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;">$</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">123 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;"> <p style="font-family:Trebuchet MS;text-align:right;font-size:8pt;margin-bottom:0pt;margin-top:0pt"></p> </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">$</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;white-space:nowrap;">&#160;</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;% </td>
<td style="vertical-align: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>
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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:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">&#160;</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;% </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;"> <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">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">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">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;"> <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">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">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;">&#160;</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 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</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="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;"> <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">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;">&#160;</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">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;"> <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">(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">(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">(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">(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> </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;"> <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">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">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">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;"> <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">&#160;&#160;&#160;&#160;(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">(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;">&#160;</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">(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> </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;"> <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">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">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">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;"> <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">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">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">13 </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;"> <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">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;">&#160;</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">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;"> <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">(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;">&#160;</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;">) </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">&#160;</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">(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="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;"> <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">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">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">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>
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<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">(1</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</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 </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 </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:8pt;margin-bottom:0pt;margin-top:0pt">Securities gains, net </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 </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 </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</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</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</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:8pt;margin-bottom:0pt;margin-top:0pt">Other income<sup style="font-size:85%;vertical-align:top">(1)</sup></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">10 </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 </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">25 </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</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">(38</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</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:8pt;margin-bottom:0pt;margin-top:0pt">Noninterest income </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">&#160;&#160;&#160;&#160;&#160;497 </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">&#160;&#160;&#160;&#160;&#160;494 </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">&#160;&#160;&#160;&#160;&#160;428 </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 </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</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">69 </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</p> </td>
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<td style="vertical-align:bottom;padding-right:2pt;border-bottom:0.50pt solid #000000;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
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<tr style="page-break-inside:avoid;font-size:4pt;">
<td colspan="32" style="vertical-align:top;padding:0;"> <p style="font-size:4pt;margin-bottom:1pt;margin-top:0">&#160;</p> <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">1) Other income includes bank-owned life insurance and other income. </p> </td>
<td>&#160;</td> </tr> </table> <p style="font-family:Trebuchet MS;text-align:left;font-size:9pt;margin-bottom:0px;margin-top:12pt">Record noninterest income of $497&#160;million increased $69&#160;million, or 16%, from first quarter 2019. Results reflect record results in mortgage banking and trust and investment services fees. These results were partially offset by <span style="white-space:nowrap">COVID-19</span> impacts in service charges and fees, card fees, capital markets and foreign exchange and interest rate products. Mortgage banking fees of $159&#160;million reflect increased origination volumes and improved gain on sale margins, as well as higher mortgage servicing rights hedging gains. Capital markets fees of $43&#160;million decreased $11&#160;million, as market disruption in March resulted in a $21&#160;million mark to market loss on loan/bond trading assets. Foreign exchange and interest rate products revenue of $24&#160;million declined by $12&#160;million, primarily due to a $10&#160;million decrease in net credit valuation adjustment given the fall in rates. Other income declined from first quarter 2019 levels that included higher gains related to asset dispositions and efficiency initiatives. </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">10</p> <div></div> </div>

 </div>



<p style="margin-top:1em; margin-bottom:0em; 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:9pt;margin-bottom:0pt;margin-top:0pt">Compared with fourth quarter 2019, noninterest income was relatively stable, as record results in mortgage banking and trust and investment services fees were partially offset by the impacts of <span style="white-space:nowrap">COVID-19</span> disruption on other categories. Capital markets fees decreased $23&#160;million from record fourth quarter 2019 levels given the mark to market loss. Foreign exchange and interest rate products income decreased $25&#160;million from record fourth quarter 2019 levels, which includes a $15&#160;million decrease in net credit valuation adjustment. Services charges and fees and card fees declined, reflecting impacts from seasonality as well as the <span style="white-space:nowrap">COVID-19 </span>&#32;disruption. Other income decreased reflecting costs associated with <span style="white-space:nowrap">tax-advantaged</span> investments and lower leasing income. </p>
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<td style="vertical-align:bottom;"> <p style="font-family:Trebuchet MS;font-weight:bold;text-align:left;font-size:8pt;margin-bottom:0pt;margin-top:0pt">Noninterest Expense </p> <p style="font-size:1pt;margin-bottom:1pt;margin-top:0">&#160;</p> </td>
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<td style="vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;"> <p style="font-family:Trebuchet MS;font-weight:bold;text-align:center;font-size:8pt;margin-bottom:0pt;margin-top:0pt"></p> </td>
<td style="vertical-align:bottom;border-bottom:0.50pt solid #000000;">&#160;</td>
<td colspan="16" style="border-bottom:0.50pt solid #000000;vertical-align:bottom;"> <p style="font-family:Trebuchet MS;font-weight:bold;text-align:center;font-size:8pt;margin-bottom:0pt;margin-top:0pt">1Q20 change from </p> <p style="font-size:1pt;margin-bottom:1pt;margin-top:0">&#160;</p> </td>
<td style="border-bottom:0.50pt solid #000000;">&#160;</td> </tr>
<tr style="page-break-inside:avoid;font-size:8pt;">
<td style="vertical-align:bottom;"> <p style="font-family:Trebuchet MS;font-style:italic;text-align:left;font-size:8pt;margin-bottom:0pt;margin-top:0pt">($s in millions) </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">1Q20 </p> </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">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">1Q19 </p> </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="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">4Q19 </p> </td>
<td>&#160;</td>
<td>&#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="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">1Q19 </p> </td>
<td>&#160;</td> </tr>
<tr style="font-size:0pt;page-break-inside:avoid;">
<td colspan="13" style="vertical-align:bottom;border-bottom:0.50pt solid #000000;">&#160;</td>
<td style="border-bottom:0.50pt solid #000000;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;border-bottom:0.50pt solid #000000;">&#160;</td>
<td colspan="6" style="vertical-align:bottom;border-bottom:0.50pt solid #000000;">&#160;</td>
<td style="border-bottom:0.50pt solid #000000;">&#160;</td>
<td style="border-bottom:0.50pt solid #000000;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;border-bottom:0.50pt solid #000000;">&#160;</td>
<td colspan="6" style="vertical-align:bottom;border-bottom:0.50pt solid #000000;">&#160;</td>
<td style="border-bottom:0.50pt solid #000000;">&#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 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 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> </tr>
<tr style="font-size:0pt;page-break-inside:avoid;">
<td colspan="13" style="vertical-align:bottom;">&#160;</td>
<td>&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;border-bottom:0.50pt solid #000000;">&#160;</td>
<td colspan="6" style="vertical-align:bottom;border-bottom:0.50pt solid #000000;">&#160;</td>
<td style="border-bottom:0.50pt solid #000000;">&#160;</td>
<td style="border-bottom:0.50pt solid #000000;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;border-bottom:0.50pt solid #000000;">&#160;</td>
<td colspan="6" style="vertical-align:bottom;border-bottom:0.50pt solid #000000;">&#160;</td>
<td style="border-bottom:0.50pt solid #000000;">&#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">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;">$</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">549 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">$</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">502 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">$</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">509 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;"> <p style="font-family:Trebuchet MS;text-align:right;font-size:8pt;margin-bottom:0pt;margin-top:0pt"></p> </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">$</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;white-space:nowrap;">&#160;</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;">&#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;">$</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 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">&#160;</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;% </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">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 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</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 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</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 </p> </td>
<td style="vertical-align: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">&#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;"> <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">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">6 </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">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">135 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</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 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</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;"> <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">(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">(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;"> <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">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">23 </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">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">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;">&#160;</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">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;"> <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">(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">(5</p> </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:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</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 </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 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">111 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</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">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;"> <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</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;"> <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">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 </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="vertical-align:bottom;border-bottom:0.50pt solid #000000;">&#160;</td>
<td style="border-bottom:0.50pt solid #000000;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;border-bottom:0.50pt solid #000000;">&#160;</td>
<td style="vertical-align:bottom;border-bottom:0.50pt solid #000000;">&#160;</td>
<td style="vertical-align:bottom;border-bottom:0.50pt solid #000000;">&#160;</td>
<td style="vertical-align:bottom;padding-right:2pt;border-bottom:0.50pt solid #000000;">&#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;border-bottom:0.50pt solid #000000;">&#160;</td>
<td style="vertical-align:bottom;border-bottom:0.50pt solid #000000;">&#160;</td>
<td style="vertical-align:bottom;border-bottom:0.50pt solid #000000;">&#160;</td>
<td style="vertical-align:bottom;padding-right:2pt;border-bottom:0.50pt solid #000000;">&#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 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">&#160;&#160;&#160;&#160;&#160;1,012 </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;">$</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">&#160;&#160;&#160;&#160;&#160;986 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">$</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;937 </p> </td>
<td style="vertical-align: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;">$</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">26 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">3</p> </td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">&#160;% </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;"> <p style="font-family:Trebuchet MS;text-align:right;font-size:8pt;margin-bottom:0pt;margin-top:0pt"></p> </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">$</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;75 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">&#160;</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;% </td> </tr>
<tr style="font-size:0pt;page-break-inside:avoid;">
<td colspan="13" style="vertical-align:bottom;border-bottom:0.50pt solid #000000;">&#160;</td>
<td style="border-bottom:0.50pt solid #000000;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;border-bottom:0.50pt solid #000000;">&#160;</td>
<td style="vertical-align:bottom;border-bottom:0.50pt solid #000000;">&#160;</td>
<td style="vertical-align:bottom;border-bottom:0.50pt solid #000000;">&#160;</td>
<td style="vertical-align:bottom;padding-right:2pt;border-bottom:0.50pt solid #000000;">&#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;border-bottom:0.50pt solid #000000;">&#160;</td>
<td style="vertical-align:bottom;border-bottom:0.50pt solid #000000;">&#160;</td>
<td style="vertical-align:bottom;border-bottom:0.50pt solid #000000;">&#160;</td>
<td style="vertical-align:bottom;padding-right:2pt;border-bottom:0.50pt solid #000000;">&#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">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;">$</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">33 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">$</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;">$</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">5 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;"> <p style="font-family:Trebuchet MS;text-align:right;font-size:8pt;margin-bottom:0pt;margin-top:0pt"></p> </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">$</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">(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;"> <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;">$</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;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</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="font-size:0pt;page-break-inside:avoid;">
<td colspan="13" style="vertical-align:bottom;border-bottom:0.50pt solid #000000;">&#160;</td>
<td style="border-bottom:0.50pt solid #000000;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;border-bottom:0.50pt solid #000000;">&#160;</td>
<td style="vertical-align:bottom;border-bottom:0.50pt solid #000000;">&#160;</td>
<td style="vertical-align:bottom;border-bottom:0.50pt solid #000000;">&#160;</td>
<td style="vertical-align:bottom;padding-right:2pt;border-bottom:0.50pt solid #000000;">&#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;border-bottom:0.50pt solid #000000;">&#160;</td>
<td style="vertical-align:bottom;border-bottom:0.50pt solid #000000;">&#160;</td>
<td style="vertical-align:bottom;border-bottom:0.50pt solid #000000;">&#160;</td>
<td style="vertical-align:bottom;padding-right:2pt;border-bottom:0.50pt solid #000000;">&#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-size:12pt;margin-bottom:1pt;margin-top:0">&#160;</p> <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, 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"></p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</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;"> <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>
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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;"> <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"></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> </tr>
<tr style="font-size:0pt;page-break-inside:avoid;">
<td colspan="13" style="vertical-align:bottom;border-bottom:0.50pt solid #000000;">&#160;</td>
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<td style="vertical-align:bottom;border-bottom:0.50pt solid #000000;">&#160;</td>
<td style="vertical-align:bottom;border-bottom:0.50pt solid #000000;">&#160;</td>
<td style="vertical-align:bottom;padding-right:2pt;border-bottom:0.50pt solid #000000;">&#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;border-bottom:0.50pt solid #000000;">&#160;</td>
<td style="vertical-align:bottom;border-bottom:0.50pt solid #000000;">&#160;</td>
<td style="vertical-align:bottom;border-bottom:0.50pt solid #000000;">&#160;</td>
<td style="vertical-align:bottom;padding-right:2pt;border-bottom:0.50pt solid #000000;">&#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">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">539 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">$</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">496 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">$</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">508 </p> </td>
<td style="vertical-align: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;">$</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">43 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">9</p> </td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">&#160;% </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;"> <p style="font-family:Trebuchet MS;text-align:right;font-size:8pt;margin-bottom:0pt;margin-top:0pt"></p> </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">$</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;white-space:nowrap;">&#160;</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;% </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">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">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">130 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</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 </p> </td>
<td style="vertical-align: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 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</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;"> <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">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">6 </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">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">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">122 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">106 </p> </td>
<td style="vertical-align: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">(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;"> <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">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;">&#160;</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:1.00em;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">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">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">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;"> <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">&#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;"> <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">(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">(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> </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 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">111 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</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">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;"> <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">&#160;&#160;&#160;&#160;(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;"> <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">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 </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="vertical-align:bottom;border-bottom:0.50pt solid #000000;">&#160;</td>
<td style="border-bottom:0.50pt solid #000000;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;border-bottom:0.50pt solid #000000;">&#160;</td>
<td style="vertical-align:bottom;border-bottom:0.50pt solid #000000;">&#160;</td>
<td style="vertical-align:bottom;border-bottom:0.50pt solid #000000;">&#160;</td>
<td style="vertical-align:bottom;padding-right:2pt;border-bottom:0.50pt solid #000000;">&#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;border-bottom:0.50pt solid #000000;">&#160;</td>
<td style="vertical-align:bottom;border-bottom:0.50pt solid #000000;">&#160;</td>
<td style="vertical-align:bottom;border-bottom:0.50pt solid #000000;">&#160;</td>
<td style="vertical-align:bottom;padding-right:2pt;border-bottom:0.50pt solid #000000;">&#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 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;">$</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">979 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">$</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;">$</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">932 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;"> <p style="font-family:Trebuchet MS;text-align:right;font-size:8pt;margin-bottom:0pt;margin-top:0pt"></p> </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">$</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;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">&#160;</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;% </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;">$</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;white-space:nowrap;">&#160;</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;% </td> </tr>
<tr style="font-size:0pt;page-break-inside:avoid;">
<td colspan="13" style="vertical-align:bottom;border-bottom:0.50pt solid #000000;">&#160;</td>
<td style="border-bottom:0.50pt solid #000000;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;border-bottom:0.50pt solid #000000;">&#160;</td>
<td style="vertical-align:bottom;border-bottom:0.50pt solid #000000;">&#160;</td>
<td style="vertical-align:bottom;border-bottom:0.50pt solid #000000;">&#160;</td>
<td style="vertical-align:bottom;padding-right:2pt;border-bottom:0.50pt solid #000000;">&#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;border-bottom:0.50pt solid #000000;">&#160;</td>
<td style="vertical-align:bottom;border-bottom:0.50pt solid #000000;">&#160;</td>
<td style="vertical-align:bottom;border-bottom:0.50pt solid #000000;">&#160;</td>
<td style="vertical-align:bottom;padding-right:2pt;border-bottom:0.50pt solid #000000;">&#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:justify;font-size:9pt;margin-bottom:0px;margin-top:12pt">First quarter 2020 noninterest expense of $1.0&#160;billion increased $75&#160;million, or 8%, from first quarter 2019. Underlying noninterest expense of $979&#160;million increased $47&#160;million, or 5%, largely reflecting higher salaries and employee benefits given the impact of annual merit increases and revenue-based compensation tied to mortgage originations. Results also reflect higher equipment and software expense given continued investments in technology as well as higher outside services largely tied to growth initiatives. These results were partially offset by a reduction in occupancy. </p> <p style="font-family:Trebuchet MS;text-align:justify;font-size:9pt;margin-bottom:0px;margin-top:12pt">Compared with fourth quarter 2019, noninterest expense increased $26&#160;million, or 3%. Underlying noninterest expense of $979&#160;million increased $30&#160;million, or 3%, driven by higher salaries and employee benefits tied to seasonally higher payroll taxes, 401k matching and stock-based compensation costs, as well as higher revenue-based compensation tied to mortgage originations. Results also reflect an increase in equipment and software expense driven by increased technology spend, partially offset by lower other operating expense and outside services. </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">11</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:9pt;margin-bottom:0pt;margin-top:0pt">The first quarter 2020 effective tax rate was 24.1%. On an Underlying basis, the effective tax rate of 24.5% compares with 22.4% for first quarter 2019 and 21.5% for fourth quarter 2019. The increase from fourth quarter 2019 was primarily driven by the impact of stock-based compensation, due to lower <span style="white-space:nowrap">pre-tax</span> income. </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">Consolidated balance sheet review<sup style="font-size:85%;vertical-align:top">(1)</sup></p> <p style="font-size:1pt;margin-bottom:1pt;margin-top:0">&#160;</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 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;border-bottom:0.50pt solid #000000;">&#160;</td>
<td colspan="16" style="border-bottom:0.50pt 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">1Q20 change from </p> <p style="font-size:1pt;margin-bottom:1pt;margin-top:0">&#160;</p> </td>
<td style="border-bottom:0.50pt solid #000000;">&#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:center;font-size:8pt;margin-bottom:0pt;margin-top:0pt">1Q20 </p> </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">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">1Q19 </p> </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="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">4Q19 </p> </td>
<td>&#160;</td>
<td>&#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="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">1Q19 </p> </td>
<td>&#160;</td> </tr>
<tr style="font-size:0pt;page-break-inside:avoid;">
<td colspan="13" style="vertical-align:bottom;border-bottom:0.50pt solid #000000;">&#160;</td>
<td style="border-bottom:0.50pt solid #000000;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;border-bottom:0.50pt solid #000000;">&#160;</td>
<td colspan="6" style="vertical-align:bottom;border-bottom:0.50pt solid #000000;">&#160;</td>
<td style="border-bottom:0.50pt solid #000000;">&#160;</td>
<td style="border-bottom:0.50pt solid #000000;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;border-bottom:0.50pt solid #000000;">&#160;</td>
<td colspan="6" style="vertical-align:bottom;border-bottom:0.50pt solid #000000;">&#160;</td>
<td style="border-bottom:0.50pt solid #000000;">&#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 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;border-bottom:0.50pt solid #000000;">&#160;</td>
<td colspan="2" style="vertical-align:bottom;border-bottom:0.50pt solid #000000;"> <p style="font-family:Trebuchet MS;font-weight:bold;text-align:center;font-size:8pt;margin-bottom:0pt;margin-top:0pt">$/bps </p> <p style="font-size:1pt;margin-bottom:1pt;margin-top:0">&#160;</p> </td>
<td style="vertical-align:bottom;border-bottom:0.50pt solid #000000;font-weight:bold;padding-right:2pt;margin-bottom:1pt;margin-top:0;">&#160;</td>
<td style="vertical-align:bottom;border-bottom:0.50pt solid #000000;">&#160;</td>
<td colspan="2" style="vertical-align:bottom;border-bottom:0.50pt solid #000000;"> <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;</p> <p style="font-size:1pt;margin-bottom:1pt;margin-top:0">&#160;</p> </td>
<td style="vertical-align:bottom;border-bottom:0.50pt solid #000000;font-weight:bold;padding-right:2pt;margin-bottom:1pt;margin-top:0;">&#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;border-bottom:0.50pt solid #000000;">&#160;</td>
<td colspan="2" style="vertical-align:bottom;border-bottom:0.50pt solid #000000;"> <p style="font-family:Trebuchet MS;font-weight:bold;text-align:center;font-size:8pt;margin-bottom:0pt;margin-top:0pt">$/bps </p> <p style="font-size:1pt;margin-bottom:1pt;margin-top:0">&#160;</p> </td>
<td style="vertical-align:bottom;border-bottom:0.50pt solid #000000;font-weight:bold;padding-right:2pt;margin-bottom:1pt;margin-top:0;">&#160;</td>
<td style="vertical-align:bottom;border-bottom:0.50pt solid #000000;">&#160;</td>
<td colspan="2" style="vertical-align:bottom;border-bottom:0.50pt solid #000000;"> <p style="font-family:Trebuchet MS;font-weight:bold;text-align:center;font-size:8pt;margin-bottom:0pt;margin-top:0pt">%</p> <p style="font-size:1pt;margin-bottom:1pt;margin-top:0">&#160;</p> </td>
<td style="vertical-align:bottom;border-bottom:0.50pt solid #000000;font-weight:bold;padding-right:2pt;margin-bottom:1pt;margin-top:0;">&#160;</td> </tr>
<tr style="background-color:#cceeff;page-break-inside:avoid;font-size:8pt;">
<td style="vertical-align:top;padding:0;"> <p style="font-family:Trebuchet MS;margin-left:1.00em;text-align:left;text-indent:-1.00em;font-size:8pt;margin-bottom:0pt;margin-top:0pt">Total assets </p> </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">$</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">&#160;&#160;&#160;&#160;&#160;176,719 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td 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">&#160;&#160;&#160;&#160;&#160;161,342 </p> </td>
<td style="vertical-align: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;">$</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">&#160;&#160;&#160;&#160;&#160;10,986 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">7</p> </td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">&#160;%</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;"> <p style="font-family:Trebuchet MS;text-align:right;font-size:8pt;margin-bottom:0pt;margin-top:0pt"></p> </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">$</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;15,377 </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;white-space:nowrap;">&#160;</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;">&#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">127,528 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</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">117,615 </p> </td>
<td style="vertical-align: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">8,440 </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:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</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;"> <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">9,913 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</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="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">3,261 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</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">1,252 </p> </td>
<td style="vertical-align: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">(69</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;"> <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">2,009 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</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 </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">133,475 </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;">&#160;</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">123,916 </p> </td>
<td style="vertical-align: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">8,162 </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">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;"> <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">9,559 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</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="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">21,950 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</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">21,531 </p> </td>
<td style="vertical-align: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">(251</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;"> <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">419 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</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: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">20,380 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</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">20,399 </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;"> <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">(251</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;"> <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">(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">&#8212; </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;">$</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">13,639 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">$</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;">$</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">13,649 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;"> <p style="font-family:Trebuchet MS;text-align:right;font-size:8pt;margin-bottom:0pt;margin-top:0pt"></p> </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">$</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">(254</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;</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;">$</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">&#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;%</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">95.5</p> </td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">&#160;%&#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">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;%&#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">94.9</p> </td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">&#160;%&#32;</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">51bps </p> </td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</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;"> <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">62bps </p> </td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</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">95.6 </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">97.7 </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;"> <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">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;">&#160;</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;"> <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">(210</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">9.4 </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">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">10.5 </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;"> <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;"> <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> </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">12.5</p> </td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">&#160;%&#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">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;%&#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">13.4</p> </td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">&#160;%</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;"> <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> </tr>
<tr style="font-size:0pt;page-break-inside:avoid;">
<td colspan="13" style="vertical-align:bottom;border-bottom:0.50pt solid #000000;">&#160;</td>
<td style="border-bottom:0.50pt solid #000000;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;border-bottom:0.50pt solid #000000;">&#160;</td>
<td colspan="6" style="vertical-align:bottom;border-bottom:0.50pt solid #000000;">&#160;</td>
<td style="border-bottom:0.50pt solid #000000;">&#160;</td>
<td style="border-bottom:0.50pt solid #000000;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;border-bottom:0.50pt solid #000000;">&#160;</td>
<td colspan="6" style="vertical-align:bottom;border-bottom:0.50pt solid #000000;">&#160;</td>
<td style="border-bottom:0.50pt solid #000000;">&#160;</td> </tr> </table> <p style="font-family:Trebuchet MS;margin-left:1%;text-align:left;text-indent:-1%;font-size:6pt;margin-bottom:0pt;margin-top:0pt">1) Represents period end unless otherwise noted. </p> <p style="font-family:Trebuchet MS;margin-left:1%;text-align:left;text-indent:-1%;font-size:6pt;margin-bottom:0pt;margin-top:0pt">2) Excludes loans held for sale. </p> <p style="font-family:Trebuchet MS;margin-left:1%;text-align:left;text-indent:-1%;font-size:6pt;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:9pt;margin-bottom:0px;margin-top:12pt">Total assets of $176.7&#160;billion at March&#160;31, 2020, increased $15.4&#160;billion, or 10%, from March&#160;31, 2019, reflecting an $11.9&#160;billion increase in loans and loans held for sale, which was largely driven by an increase in commercial line of credit utilization given the impact of <span style="white-space:nowrap">COVID-19</span> disruption. Results also reflect a $2.2&#160;billion increase in the investment portfolio and a $1.5&#160;billion increase in customer-related derivative assets. Compared with December&#160;31, 2019, total assets increased $11.0&#160;billion, driven by an $8.4&#160;billion increase in loans and loans held for sale given the higher <span style="white-space:nowrap">COVID-19-related</span> line of credit utilization as well as a $2.4&#160;billion increase in the investment portfolio and a $1.2&#160;billion increase in customer-related derivative assets. </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:1%;"></td>
<td></td>
<td></td>
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<td style="width:1%;"></td>
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<td style="width:1%;"></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">Interest-earning assets </p> <p style="font-size:1pt;margin-bottom:1pt;margin-top:0">&#160;</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;border-bottom:0.50pt solid #000000;">&#160;</td>
<td colspan="16" style="border-bottom:0.50pt 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">1Q20 change from </p> <p style="font-size:1pt;margin-bottom:1pt;margin-top:0">&#160;</p> </td>
<td style="border-bottom:0.50pt solid #000000;">&#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:center;font-size:8pt;margin-bottom:0pt;margin-top:0pt">1Q20 </p> </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">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">1Q19 </p> </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="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">4Q19 </p> </td>
<td>&#160;</td>
<td>&#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="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">1Q19 </p> </td>
<td>&#160;</td> </tr>
<tr style="font-size:0pt;page-break-inside:avoid;">
<td colspan="13" style="vertical-align:bottom;border-bottom:0.50pt solid #000000;">&#160;</td>
<td style="border-bottom:0.50pt solid #000000;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;border-bottom:0.50pt solid #000000;">&#160;</td>
<td colspan="6" style="vertical-align:bottom;border-bottom:0.50pt solid #000000;">&#160;</td>
<td style="border-bottom:0.50pt solid #000000;">&#160;</td>
<td style="border-bottom:0.50pt solid #000000;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;border-bottom:0.50pt solid #000000;">&#160;</td>
<td colspan="6" style="vertical-align:bottom;border-bottom:0.50pt solid #000000;">&#160;</td>
<td style="border-bottom:0.50pt solid #000000;">&#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 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 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="3" 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;text-align:center;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;border-bottom:0.50pt solid #000000;">&#160;</td>
<td colspan="6" style="vertical-align:bottom;border-bottom:0.50pt solid #000000;">&#160;</td>
<td style="border-bottom:0.50pt solid #000000;">&#160;</td>
<td style="border-bottom:0.50pt solid #000000;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;border-bottom:0.50pt solid #000000;">&#160;</td>
<td colspan="6" style="vertical-align:bottom;border-bottom:0.50pt solid #000000;">&#160;</td>
<td style="border-bottom:0.50pt solid #000000;">&#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;">$</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">29,535 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">$</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;">$</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">27,331 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;"> <p style="font-family:Trebuchet MS;text-align:right;font-size:8pt;margin-bottom:0pt;margin-top:0pt"></p> </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">$</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">2,358 </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;white-space:nowrap;">&#160;</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;">&#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;">$</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">2,204 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">&#160;</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;%</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">66,032 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</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">57,689 </p> </td>
<td style="vertical-align: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">8,494 </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">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;"> <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">8,343 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</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;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">61,496 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</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">59,926 </p> </td>
<td style="vertical-align: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">(54</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;"> <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">1,570 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</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> </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">127,528 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</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">117,615 </p> </td>
<td style="vertical-align: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">8,440 </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:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</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;"> <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">9,913 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</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="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">2,911 </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;">&#160;</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">1,186 </p> </td>
<td style="vertical-align: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">965 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</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;"> <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">1,725 </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">145 </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">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">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">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;"> <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">(1,034</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">(75</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;"> <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">284 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</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="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">130,789 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</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">118,867 </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;"> <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">8,371 </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">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;"> <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">11,922 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</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:0.50pt solid #000000;vertical-align:bottom;">&#160;</td>
<td style="border-bottom:0.50pt solid #000000;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;border-bottom:0.50pt solid #000000;">&#160;</td>
<td style="vertical-align:bottom;border-bottom:0.50pt solid #000000;">&#160;</td>
<td style="vertical-align:bottom;border-bottom:0.50pt solid #000000;">&#160;</td>
<td style="vertical-align:bottom;padding-right:2pt;border-bottom:0.50pt solid #000000;">&#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;border-bottom:0.50pt solid #000000;">&#160;</td>
<td style="vertical-align:bottom;border-bottom:0.50pt solid #000000;">&#160;</td>
<td style="vertical-align:bottom;border-bottom:0.50pt solid #000000;">&#160;</td>
<td style="vertical-align:bottom;padding-right:2pt;border-bottom:0.50pt solid #000000;">&#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;&#160;&#160;160,324 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">$</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">&#160;&#160;&#160;&#160;&#160;149,595 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">$</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;&#160;&#160;146,198 </p> </td>
<td style="vertical-align: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;">$</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">&#160;&#160;&#160;&#160;&#160;10,729 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">7</p> </td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">&#160;%</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;"> <p style="font-family:Trebuchet MS;text-align:right;font-size:8pt;margin-bottom:0pt;margin-top:0pt"></p> </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">$</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;14,126 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">&#160;</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;">&#160;%</td> </tr>
<tr style="font-size:0pt;page-break-inside:avoid;">
<td colspan="13" style="border-bottom:0.50pt solid #000000;vertical-align:bottom;">&#160;</td>
<td style="border-bottom:0.50pt solid #000000;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;border-bottom:0.50pt solid #000000;">&#160;</td>
<td style="vertical-align:bottom;border-bottom:0.50pt solid #000000;">&#160;</td>
<td style="vertical-align:bottom;border-bottom:0.50pt solid #000000;">&#160;</td>
<td style="vertical-align:bottom;padding-right:2pt;border-bottom:0.50pt solid #000000;">&#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;border-bottom:0.50pt solid #000000;">&#160;</td>
<td style="vertical-align:bottom;border-bottom:0.50pt solid #000000;">&#160;</td>
<td style="vertical-align:bottom;border-bottom:0.50pt solid #000000;">&#160;</td>
<td style="vertical-align:bottom;padding-right:2pt;border-bottom:0.50pt solid #000000;">&#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">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;"> <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: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;"> <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: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">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;">$</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">27,202 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">$</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;">$</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">26,638 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;"> <p style="font-family:Trebuchet MS;text-align:right;font-size:8pt;margin-bottom:0pt;margin-top:0pt"></p> </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">$</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</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">&#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;%</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;">$</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 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">&#160;</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;%</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">59,510 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</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">57,707 </p> </td>
<td style="vertical-align: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">1,849 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</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;"> <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">1,803 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</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> </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">61,545 </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">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">59,942 </p> </td>
<td style="vertical-align: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">301 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</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;"> <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">1,603 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</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> </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">121,055 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</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">117,649 </p> </td>
<td style="vertical-align: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">2,150 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</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;"> <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">3,406 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</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> </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">1,890 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</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">1,035 </p> </td>
<td style="vertical-align: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">(319</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;"> <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">855 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-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;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>
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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;"> <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;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-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;"> <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;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>
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<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: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;"> <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>
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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;"> <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>
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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">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 colspan="13" style="border-bottom:0.50pt solid #000000;vertical-align:bottom;">&#160;</td>
<td style="border-bottom:0.50pt solid #000000;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;border-bottom:0.50pt solid #000000;">&#160;</td>
<td style="vertical-align:bottom;border-bottom:0.50pt solid #000000;">&#160;</td>
<td style="vertical-align:bottom;border-bottom:0.50pt solid #000000;">&#160;</td>
<td style="vertical-align:bottom;padding-right:2pt;border-bottom:0.50pt solid #000000;">&#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;border-bottom:0.50pt solid #000000;">&#160;</td>
<td style="vertical-align:bottom;border-bottom:0.50pt solid #000000;">&#160;</td>
<td style="vertical-align:bottom;border-bottom:0.50pt solid #000000;">&#160;</td>
<td style="vertical-align:bottom;padding-right:2pt;border-bottom:0.50pt solid #000000;">&#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;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">$</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;">$</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">148,911 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">$</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">145,513 </p> </td>
<td style="vertical-align: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;">$</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">2,035 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">1</p> </td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">&#160;%</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;"> <p style="font-family:Trebuchet MS;text-align:right;font-size:8pt;margin-bottom:0pt;margin-top:0pt"></p> </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">$</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">5,433 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">&#160;</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;%</td> </tr>
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<td colspan="13" style="border-bottom:0.50pt solid #000000;vertical-align:bottom;">&#160;</td>
<td style="border-bottom:0.50pt solid #000000;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;border-bottom:0.50pt solid #000000;">&#160;</td>
<td style="vertical-align:bottom;border-bottom:0.50pt solid #000000;">&#160;</td>
<td style="vertical-align:bottom;border-bottom:0.50pt solid #000000;">&#160;</td>
<td style="vertical-align:bottom;padding-right:2pt;border-bottom:0.50pt solid #000000;">&#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;border-bottom:0.50pt solid #000000;">&#160;</td>
<td style="vertical-align:bottom;border-bottom:0.50pt solid #000000;">&#160;</td>
<td style="vertical-align:bottom;border-bottom:0.50pt solid #000000;">&#160;</td>
<td style="vertical-align:bottom;padding-right:2pt;border-bottom:0.50pt solid #000000;">&#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">12</p> <div></div> </div>

 </div>



<p style="margin-top:1em; margin-bottom:0em; 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>
<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;border-bottom:0.50pt solid #000000;">&#160;</td>
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<td style="border-bottom:0.50pt solid #000000;">&#160;</td> </tr>
<tr style="page-break-inside:avoid;font-size:8pt;">
<td style="vertical-align:bottom;border-bottom:0.50pt solid #000000;"> <p style="font-family:Trebuchet MS;font-style:italic;text-align:left;font-size:8pt;margin-bottom:0pt;margin-top:0pt">($s in millions) </p> </td>
<td style="vertical-align:bottom;border-bottom:0.50pt solid #000000;">&#160;</td>
<td colspan="2" style="border-bottom:0.50pt 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">1Q20 </p> </td>
<td style="vertical-align:bottom;border-bottom:0.50pt solid #000000;font-weight:bold;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;border-bottom:0.50pt solid #000000;">&#160;</td>
<td colspan="2" style="border-bottom:0.50pt 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;border-bottom:0.50pt solid #000000;font-weight:bold;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;border-bottom:0.50pt solid #000000;">&#160;</td>
<td colspan="2" style="border-bottom:0.50pt 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">1Q19 </p> </td>
<td style="vertical-align:bottom;border-bottom:0.50pt solid #000000;font-weight:bold;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;border-bottom:0.50pt solid #000000;border-left:5pt solid #FFFFFF;">&#160;</td>
<td colspan="6" style="border-bottom:0.50pt 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="border-bottom:0.50pt solid #000000;">&#160;</td>
<td style="border-bottom:0.50pt solid #000000;">&#160;</td>
<td colspan="7" style="border-bottom:0.50pt 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">1Q19 </p> </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> 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="3" 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;</p> </td>
<td style="vertical-align:bottom;font-weight:bold;text-align:center;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td colspan="3" 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;text-align:center;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#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;</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">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;">$</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">32,398 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">$</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;">$</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">28,383 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">$</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">3,165 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">&#160;</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;">&#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">4,015 </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;white-space:nowrap;">&#160;</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> </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">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">25,358 </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;">&#160;</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">23,482 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">518 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</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">1,876 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</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="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">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">14,702 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</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">13,239 </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">923 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</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">1,463 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</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;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">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">42,972 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</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">35,972 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">4,247 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</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;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">7,000 </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">19 </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">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">18,045 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</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">22,840 </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;white-space:nowrap;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">(691</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">(4,795</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">(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> </tr>
<tr style="font-size:0pt;page-break-inside:avoid;">
<td style="border-bottom:0.50pt solid #000000;vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;border-bottom:0.50pt solid #000000;">&#160;</td>
<td style="vertical-align:bottom;border-bottom:0.50pt solid #000000;">&#160;</td>
<td style="vertical-align:bottom;border-bottom:0.50pt solid #000000;">&#160;</td>
<td style="vertical-align:bottom;padding-right:2pt;border-bottom:0.50pt solid #000000;">&#160;</td>
<td style="vertical-align:bottom;border-bottom:0.50pt solid #000000;">&#160;</td>
<td style="vertical-align:bottom;border-bottom:0.50pt solid #000000;">&#160;</td>
<td style="vertical-align:bottom;border-bottom:0.50pt solid #000000;">&#160;</td>
<td style="vertical-align:bottom;padding-right:2pt;border-bottom:0.50pt solid #000000;">&#160;</td>
<td style="vertical-align:bottom;border-bottom:0.50pt solid #000000;">&#160;</td>
<td style="vertical-align:bottom;border-bottom:0.50pt solid #000000;">&#160;</td>
<td style="vertical-align:bottom;border-bottom:0.50pt solid #000000;">&#160;</td>
<td style="vertical-align:bottom;padding-right:2pt;border-bottom:0.50pt solid #000000;">&#160;</td>
<td style="vertical-align:bottom;border-bottom:0.50pt solid #000000;border-left:5pt solid #FFFFFF;">&#160;</td>
<td style="vertical-align:bottom;border-bottom:0.50pt solid #000000;">&#160;</td>
<td style="vertical-align:bottom;border-bottom:0.50pt solid #000000;">&#160;</td>
<td style="vertical-align:bottom;padding-right:2pt;border-bottom:0.50pt solid #000000;">&#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;border-bottom:0.50pt solid #000000;">&#160;</td>
<td style="vertical-align:bottom;border-bottom:0.50pt solid #000000;">&#160;</td>
<td style="vertical-align:bottom;border-bottom:0.50pt solid #000000;">&#160;</td>
<td style="vertical-align:bottom;padding-right:2pt;border-bottom:0.50pt solid #000000;">&#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> 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">133,475 </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;">$</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">125,313 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">$</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">123,916 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">$</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">8,162 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">7</p> </td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">% </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">$</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;&#160;&#160;&#160;9,559 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">&#160;</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> </tr>
<tr style="font-size:0pt;page-break-inside:avoid;">
<td style="border-bottom:0.50pt solid #000000;vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;border-bottom:0.50pt solid #000000;">&#160;</td>
<td style="vertical-align:bottom;border-bottom:0.50pt solid #000000;">&#160;</td>
<td style="vertical-align:bottom;border-bottom:0.50pt solid #000000;">&#160;</td>
<td style="vertical-align:bottom;padding-right:2pt;border-bottom:0.50pt solid #000000;">&#160;</td>
<td style="vertical-align:bottom;border-bottom:0.50pt solid #000000;">&#160;</td>
<td style="vertical-align:bottom;border-bottom:0.50pt solid #000000;">&#160;</td>
<td style="vertical-align:bottom;border-bottom:0.50pt solid #000000;">&#160;</td>
<td style="vertical-align:bottom;padding-right:2pt;border-bottom:0.50pt solid #000000;">&#160;</td>
<td style="vertical-align:bottom;border-bottom:0.50pt solid #000000;">&#160;</td>
<td style="vertical-align:bottom;border-bottom:0.50pt solid #000000;">&#160;</td>
<td style="vertical-align:bottom;border-bottom:0.50pt solid #000000;">&#160;</td>
<td style="vertical-align:bottom;padding-right:2pt;border-bottom:0.50pt solid #000000;">&#160;</td>
<td style="vertical-align:bottom;border-bottom:0.50pt solid #000000;border-left:5pt solid #FFFFFF;">&#160;</td>
<td style="vertical-align:bottom;border-bottom:0.50pt solid #000000;">&#160;</td>
<td style="vertical-align:bottom;border-bottom:0.50pt solid #000000;">&#160;</td>
<td style="vertical-align:bottom;padding-right:2pt;border-bottom:0.50pt solid #000000;">&#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;border-bottom:0.50pt solid #000000;">&#160;</td>
<td style="vertical-align:bottom;border-bottom:0.50pt solid #000000;">&#160;</td>
<td style="vertical-align:bottom;border-bottom:0.50pt solid #000000;">&#160;</td>
<td style="vertical-align:bottom;padding-right:2pt;border-bottom:0.50pt solid #000000;">&#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 deposits </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 colspan="7" 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>&#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">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;">$</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">29,362 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">$</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">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;">$</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">28,465 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">$</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">(566</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;)&#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">897 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">&#160;</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="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">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">24,612 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</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">22,987 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">1,067 </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">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">1,625 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</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> </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">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">14,201 </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">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">12,626 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">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">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">1,575 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</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> </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">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">39,839 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</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>
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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">1,030 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</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">4,630 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</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="page-break-inside:avoid;font-size:8pt;">
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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">19,788 </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:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">21,127 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">&#160;</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;(1,172</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">(2,511</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> </tr>
<tr style="font-size:0pt;page-break-inside:avoid;">
<td style="border-bottom:0.50pt solid #000000;vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;border-bottom:0.50pt solid #000000;">&#160;</td>
<td style="vertical-align:bottom;border-bottom:0.50pt solid #000000;">&#160;</td>
<td style="vertical-align:bottom;border-bottom:0.50pt solid #000000;">&#160;</td>
<td style="vertical-align:bottom;padding-right:2pt;border-bottom:0.50pt solid #000000;">&#160;</td>
<td style="vertical-align:bottom;border-bottom:0.50pt solid #000000;">&#160;</td>
<td style="vertical-align:bottom;border-bottom:0.50pt solid #000000;">&#160;</td>
<td style="vertical-align:bottom;border-bottom:0.50pt solid #000000;">&#160;</td>
<td style="vertical-align:bottom;padding-right:2pt;border-bottom:0.50pt solid #000000;">&#160;</td>
<td style="vertical-align:bottom;border-bottom:0.50pt solid #000000;">&#160;</td>
<td style="vertical-align:bottom;border-bottom:0.50pt solid #000000;">&#160;</td>
<td style="vertical-align:bottom;border-bottom:0.50pt solid #000000;">&#160;</td>
<td style="vertical-align:bottom;padding-right:2pt;border-bottom:0.50pt solid #000000;">&#160;</td>
<td style="vertical-align:bottom;border-bottom:0.50pt solid #000000;border-left:5pt solid #FFFFFF;">&#160;</td>
<td style="vertical-align:bottom;border-bottom:0.50pt solid #000000;">&#160;</td>
<td style="vertical-align:bottom;border-bottom:0.50pt solid #000000;">&#160;</td>
<td style="vertical-align:bottom;padding-right:2pt;border-bottom:0.50pt solid #000000;">&#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;border-bottom:0.50pt solid #000000;">&#160;</td>
<td style="vertical-align:bottom;border-bottom:0.50pt solid #000000;">&#160;</td>
<td style="vertical-align:bottom;border-bottom:0.50pt solid #000000;">&#160;</td>
<td style="vertical-align:bottom;padding-right:2pt;border-bottom:0.50pt solid #000000;">&#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 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">&#160;&#160;&#160;&#160;&#160;126,630 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">$</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">&#160;&#160;&#160;&#160;&#160;125,652 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">$</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">&#160;&#160;&#160;&#160;&#160;120,414 </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;">$</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">978 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">1</p> </td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">&#160;&#160;% </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">$</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">6,216 </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;white-space:nowrap;">&#160;</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> </tr>
<tr style="font-size:0pt;page-break-inside:avoid;">
<td style="border-bottom:0.50pt solid #000000;vertical-align:bottom;">&#160;</td>
<td style="vertical-align:bottom;border-bottom:0.50pt solid #000000;">&#160;</td>
<td style="vertical-align:bottom;border-bottom:0.50pt solid #000000;">&#160;</td>
<td style="vertical-align:bottom;border-bottom:0.50pt solid #000000;">&#160;</td>
<td style="vertical-align:bottom;padding-right:2pt;border-bottom:0.50pt solid #000000;">&#160;</td>
<td style="vertical-align:bottom;border-bottom:0.50pt solid #000000;">&#160;</td>
<td style="vertical-align:bottom;border-bottom:0.50pt solid #000000;">&#160;</td>
<td style="vertical-align:bottom;border-bottom:0.50pt solid #000000;">&#160;</td>
<td style="vertical-align:bottom;padding-right:2pt;border-bottom:0.50pt solid #000000;">&#160;</td>
<td style="vertical-align:bottom;border-bottom:0.50pt solid #000000;">&#160;</td>
<td style="vertical-align:bottom;border-bottom:0.50pt solid #000000;">&#160;</td>
<td style="vertical-align:bottom;border-bottom:0.50pt solid #000000;">&#160;</td>
<td style="vertical-align:bottom;padding-right:2pt;border-bottom:0.50pt solid #000000;">&#160;</td>
<td style="vertical-align:bottom;border-bottom:0.50pt solid #000000;border-left:5pt solid #FFFFFF;">&#160;</td>
<td style="vertical-align:bottom;border-bottom:0.50pt solid #000000;">&#160;</td>
<td style="vertical-align:bottom;border-bottom:0.50pt solid #000000;">&#160;</td>
<td style="vertical-align:bottom;padding-right:2pt;border-bottom:0.50pt solid #000000;">&#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;border-bottom:0.50pt solid #000000;">&#160;</td>
<td style="vertical-align:bottom;border-bottom:0.50pt solid #000000;">&#160;</td>
<td style="vertical-align:bottom;border-bottom:0.50pt solid #000000;">&#160;</td>
<td style="vertical-align:bottom;padding-right:2pt;border-bottom:0.50pt solid #000000;">&#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">13</p> <div></div> </div>

 </div>



<p style="margin-top:1em; margin-bottom:0em; 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:9pt;margin-bottom:0pt;margin-top:0pt">Compared with fourth quarter 2019, average deposits were relatively stable, as growth in checking with interest, money market accounts and savings was largely offset by a decrease in term deposits and demand deposits. </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>
<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>
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<td style="width:2%;"></td>
<td></td>
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<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;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>
<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="3" 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;text-align:center;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td colspan="15" 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">1Q20 change from </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="15" 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: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">1Q20 </p> </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">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="3" 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">1Q19&#160;</p> </td>
<td style="vertical-align:bottom;font-weight:bold;text-align:right;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td colspan="7" 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>&#160;</td>
<td colspan="7" 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">1Q19 </p> </td> </tr>
<tr style="font-size:0pt;page-break-inside:avoid;">
<td colspan="13" style="vertical-align:bottom;border-bottom:0.50pt solid #000000;">&#160;</td>
<td style="border-bottom:0.50pt solid #000000;">&#160;</td>
<td colspan="7" style="border-bottom:1px solid #000000;vertical-align:bottom;">&#160;</td>
<td>&#160;</td>
<td colspan="7" 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;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>
<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="3" 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;text-align:center;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td colspan="3" 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;text-align:center;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td colspan="3" 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;text-align:center;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td colspan="3" 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;text-align:center;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td colspan="3" 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;text-align:center;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="7" style="border-bottom:1px solid #000000;vertical-align:bottom;">&#160;</td>
<td>&#160;</td>
<td colspan="7" 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:0.38em;text-align:left;font-size:8pt;margin-bottom:0pt;margin-top:0pt">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;">$</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">1,059 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">$</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">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;">$</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">679 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">$</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">785 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</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;">$</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">380 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">&#160;</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;">&#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:0.38em;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="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;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">8,007 </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">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">2,508 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">2,999 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</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">5,499 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">219 </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;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">6,775 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</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">7,558 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">&#160;</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</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">(783</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> </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;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">1,655 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</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">1,659 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">&#160;</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;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">(4&#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">&#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="vertical-align:bottom;border-bottom:0.50pt solid #000000;">&#160;</td>
<td style="border-bottom:0.50pt solid #000000;">&#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;border-bottom:1px solid #000000;">&#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;border-bottom:1px solid #000000;">&#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:0.38em;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;17,496 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">$</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">&#160;&#160;&#160;14,321 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">$</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">&#160;&#160;&#160;12,404</p> </td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">&#160;&#32;&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">$</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">3,175 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">22</p> </td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">% </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">$</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;5,092 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">&#160;</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;">&#160;&#160;% </td> </tr>
<tr style="font-size:0pt;page-break-inside:avoid;">
<td colspan="13" style="vertical-align:bottom;border-bottom:0.50pt solid #000000;">&#160;</td>
<td style="border-bottom:0.50pt solid #000000;">&#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;border-bottom:1px solid #000000;">&#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;border-bottom:1px solid #000000;">&#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:0.38em;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="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">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;">$</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">644 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">$</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;">$</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">698 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">$</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">140 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">&#160;</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;</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">(54</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;">&#160;&#160;)&#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:0.38em;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">5,138 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</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">5,694 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">1,879 </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:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</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;white-space:nowrap;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">(556</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> </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">7,263 </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;">&#160;</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">7,391 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">&#160;</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;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">(128</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> </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">1,656 </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">1,657 </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">1,651 </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;white-space:nowrap;">&#160;</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">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">&#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="vertical-align:bottom;border-bottom:0.50pt solid #000000;">&#160;</td>
<td style="border-bottom:0.50pt solid #000000;">&#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;border-bottom:1px solid #000000;">&#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;border-bottom:1px solid #000000;">&#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">14,701 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td 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">15,434 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">$</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">1,367 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">10</p> </td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">% </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">$</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">(733</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;)&#160;&#160;%&#32;</td> </tr>
<tr style="font-size:0pt;page-break-inside:avoid;">
<td colspan="13" style="vertical-align:bottom;border-bottom:0.50pt solid #000000;">&#160;</td>
<td style="border-bottom:0.50pt solid #000000;">&#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;border-bottom:1px solid #000000;">&#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;border-bottom:1px solid #000000;">&#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:9pt;margin-bottom:0px;margin-top:12pt">Total borrowed funds of $17.5&#160;billion at March&#160;31, 2020 increased $5.1&#160;billion, or 41%, from March&#160;31, 2019, reflecting a $5.5&#160;billion increase in long-term FHLB borrowings and a $380&#160;million increase in short-term borrowings, partially offset by a $783&#160;million decrease in senior debt. Compared with December&#160;31, 2019, total borrowed funds increased $3.2&#160;billion reflecting a $3.0&#160;billion increase in long-term FHLB borrowings, and a $785&#160;million increase in short-term borrowings, partially offset by a $607&#160;million decrease in senior debt. </p> <p style="font-family:Trebuchet MS;text-align:justify;font-size:9pt;margin-bottom:0px;margin-top:12pt">Average borrowed funds of $14.7&#160;billion decreased $733&#160;million, or 5%, from first quarter 2019, reflecting a $556&#160;million decrease in long-term FHLB borrowings, a $128&#160;million decrease in senior debt and a $54&#160;million decrease in short-term borrowings. Compared with December&#160;31, 2019 average borrowed funds increased $1.4&#160;billion, or 10%, reflecting a $1.9&#160;billion increase in long-term FHLB borrowings and a $140&#160;million increase in short-term borrowings, partially offset by a $651&#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="width:52%;"></td>
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<td></td>
<td></td>
<td></td>
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<td></td>
<td></td>
<td></td>
<td style="width:2%;"></td>
<td></td>
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<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">&#160;&#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="3" 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;text-align:center;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td colspan="15" 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">1Q20 change from </p> </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;&#160;($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:center;font-size:8pt;margin-bottom:0pt;margin-top:0pt">1Q20 </p> </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">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="3" 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">1Q19 </p> </td>
<td style="vertical-align:bottom;font-weight:bold;text-align:center;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td colspan="7" 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>&#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">1Q19 </p> </td>
<td>&#160;</td> </tr>
<tr style="font-size:0pt;page-break-inside:avoid;">
<td colspan="13" style="vertical-align:bottom;border-bottom:0.50pt solid #000000;">&#160;</td>
<td style="border-bottom:0.50pt solid #000000;">&#160;</td>
<td colspan="7" 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> </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;&#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;text-align:center;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:bottom;">&#160;</td>
<td colspan="2" style="vertical-align:bottom;"> <p style="font-family:Trebuchet MS;text-align:center;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:bottom;">&#160;</td>
<td colspan="3" style="vertical-align:bottom;"> <p style="font-family:Trebuchet MS;text-align:center;font-size:8pt;margin-bottom:0pt;margin-top:0pt"></p> </td>
<td style="vertical-align:bottom;text-align:center;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td colspan="3" style="border-bottom:1pt solid #000000;vertical-align:bottom;"> <p style="font-family:Trebuchet MS;text-align:center;font-size:8pt;margin-bottom:0pt;margin-top:0pt">$ </p> </td>
<td style="vertical-align:bottom;text-align:center;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td colspan="2" style="border-bottom:1pt solid #000000;vertical-align:bottom;"> <p style="font-family:Trebuchet MS;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;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;text-align:center;font-size:8pt;margin-bottom:0pt;margin-top:0pt">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;$&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;">&#160;</td>
<td colspan="3" style="border-bottom:1pt solid #000000;vertical-align:bottom;"> <p style="font-family:Trebuchet MS;text-align:center;font-size:8pt;margin-bottom:0pt;margin-top:0pt">&#160;&#160;&#160;&#160;%&#160;&#160;&#160;&#160;</p> </td>
<td style="vertical-align:bottom;text-align:center;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td> </tr>
<tr style="background-color:#cceeff;page-break-inside:avoid;font-size:8pt;">
<td style="vertical-align:top;padding:0;"> <p style="font-family:Trebuchet MS;margin-left:1.00em;text-align:left;text-indent:-1.00em;font-size:8pt;margin-bottom:0pt;margin-top:0pt">&#160;&#160;Stockholders&#8217; equity </p> </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">$</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;21,950 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">$</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">22,201 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">$</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">21,531 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">$</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">(251&#160;&#160;</p> </td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">)</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">(1</p> </td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">&#160;&#160;)&#160;%&#32;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">$</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">419 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">&#160;</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">&#160;&#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">20,380 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</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">20,399 </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;white-space:nowrap;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">(251</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;white-space:nowrap;">&#160;</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">&#8212; </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;&#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">13,639 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</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;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">13,649 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">(254</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">(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; </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;&#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;">$</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">31.97 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">$</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">32.08 </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;">$</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">29.6 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">$</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;(0.11</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;">&#160;</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">2.37 </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">8 </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;&#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">426.6 </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">433.1 </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">461.1 </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">(6.5</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">(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">(34.5</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">(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> </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;&#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">429.4 </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">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">462.5 </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">(7.1</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">(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;)&#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">(33.1</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">(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="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;&#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;white-space:nowrap;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">9.4</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">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;">% </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">10.5</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;">&#160;</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;&#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">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">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">13.4 </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"></p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</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;&#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;white-space:nowrap;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">9.6</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">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;">% </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">&#160;</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;">% </td>
<td style="vertical-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>
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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">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#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">&#160;&#160;&#160;&#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">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#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> </tr>
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<td style="vertical-align:bottom;border-bottom:0.50pt solid #000000;">&#160;</td>
<td style="vertical-align:bottom;border-bottom:0.50pt solid #000000;">&#160;</td>
<td style="vertical-align:bottom;border-bottom:0.50pt solid #000000;">&#160;</td>
<td style="vertical-align:bottom;border-bottom:0.50pt solid #000000;">&#160;</td>
<td style="vertical-align:bottom;padding-right:2pt;border-bottom:0.50pt solid #000000;">&#160;</td>
<td style="vertical-align:bottom;border-bottom:0.50pt solid #000000;">&#160;</td>
<td style="vertical-align:bottom;border-bottom:0.50pt solid #000000;">&#160;</td>
<td style="vertical-align:bottom;border-bottom:0.50pt solid #000000;">&#160;</td>
<td style="vertical-align:bottom;padding-right:2pt;border-bottom:0.50pt solid #000000;">&#160;</td>
<td style="vertical-align:bottom;border-bottom:0.50pt solid #000000;">&#160;</td>
<td style="vertical-align:bottom;border-bottom:0.50pt solid #000000;">&#160;</td>
<td style="vertical-align:bottom;border-bottom:0.50pt solid #000000;">&#160;</td>
<td style="vertical-align:bottom;padding-right:2pt;border-bottom:0.50pt solid #000000;">&#160;</td>
<td style="vertical-align:bottom;border-bottom:0.50pt solid #000000;border-left:10pt solid #FFFFFF;">&#160;</td>
<td style="vertical-align:bottom;border-bottom:0.50pt solid #000000;">&#160;</td>
<td style="vertical-align:bottom;border-bottom:0.50pt solid #000000;">&#160;</td>
<td style="vertical-align:bottom;padding-right:2pt;border-bottom:0.50pt solid #000000;">&#160;</td>
<td style="vertical-align:bottom;border-bottom:0.50pt solid #000000;">&#160;</td>
<td style="vertical-align:bottom;border-bottom:0.50pt solid #000000;">&#160;</td>
<td style="vertical-align:bottom;border-bottom:0.50pt solid #000000;">&#160;</td>
<td style="vertical-align:bottom;padding-right:2pt;border-bottom:0.50pt solid #000000;">&#160;</td>
<td style="vertical-align:bottom;border-bottom:0.50pt solid #000000;border-left:10pt solid #FFFFFF;">&#160;</td>
<td style="vertical-align:bottom;border-bottom:0.50pt solid #000000;">&#160;</td>
<td style="vertical-align:bottom;border-bottom:0.50pt solid #000000;">&#160;</td>
<td style="vertical-align:bottom;padding-right:2pt;border-bottom:0.50pt solid #000000;">&#160;</td>
<td style="vertical-align:bottom;border-bottom:0.50pt solid #000000;">&#160;</td>
<td style="vertical-align:bottom;border-bottom:0.50pt solid #000000;">&#160;</td>
<td style="vertical-align:bottom;border-bottom:0.50pt solid #000000;">&#160;</td>
<td style="vertical-align:bottom;padding-right:2pt;border-bottom:0.50pt solid #000000;">&#160;</td> </tr> </table>
<table cellspacing="0" cellpadding="0" border="0" style="font-family:Trebuchet MS;border-collapse:collapse;text-align:left;width:100%;font-size:8pt;margin-bottom:0pt;margin-top:0pt;border:0;">
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<td style="width:3%;vertical-align:top;white-space:nowrap;">1) </td>
<td style="font-family:Trebuchet MS;text-align:left;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">Current reporting-period regulatory capital ratios are preliminary.</td> </tr> </table> <p style="font-family:Trebuchet MS;text-align:justify;font-size:9pt;margin-bottom:0px;margin-top:12pt">At March&#160;31, 2020, our Basel III capital ratios remained well in excess of applicable regulatory requirements with a CET1 capital ratio of 9.4% compared with 10.0% at December&#160;31, 2019 and 10.5% at March&#160;31, 2019, and a total capital ratio of 12.5% compared with total capital ratios of 13.0% as of December&#160;31, 2019 and 13.4% as of March&#160;31, 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>

 </div>



<p style="margin-top:1em; margin-bottom:0em; 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:9pt;margin-bottom:0pt;margin-top:0pt">Tangible book value per common share of $31.97 was relatively stable compared with fourth quarter 2019 and increased 8% from first quarter 2019. </p> <p style="font-family:Trebuchet MS;text-align:justify;font-size:9pt;margin-bottom:0px;margin-top:12pt">During first quarter 2020, the company repurchased 7.5&#160;million shares of common stock at a weighted-average price of $35.77, and including common dividends, returned $438&#160;million to shareholders. These results compare with $558&#160;million returned to common shareholders in fourth quarter 2019 and $349&#160;million in first quarter 2019. </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:left;text-indent:0.00em;font-size:8pt;margin-bottom:0pt;margin-top:0pt">Credit quality review </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="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">1Q20 change from </p> </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:0.00em;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">1Q20 </p> </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">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">1Q19 </p> </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;">&#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">4Q19 </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">1Q19 </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="5" style="border-bottom:1px solid #000000;vertical-align:bottom;">&#160;</td> </tr>
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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>
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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="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;$/bps&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;</p> </td>
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<td colspan="2" style="vertical-align:bottom;"> <p style="font-family:Trebuchet MS;font-weight:bold;text-align:center;font-size:8pt;margin-bottom:0pt;margin-top:0pt">&#160;&#160;&#160;&#160;$/bps&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;</p> </td>
<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">&#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: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="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:0.00em;text-align:left;text-indent:0.00em;font-size:8pt;margin-bottom:0pt;margin-top:0pt">Nonaccrual 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;$</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">780&#160;&#160;&#160;&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">$</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">703&#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;">$</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">744&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;"> <p style="font-family:Trebuchet MS;text-align:right;font-size:8pt;margin-bottom:0pt;margin-top:0pt"></p> </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;&#160;$</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">&#160;&#160;&#160;&#160;&#160;77&#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">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;&#160;$</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;36&#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">5&#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">90+ days past due and accruing </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">27&#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;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</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;</p> </td>
<td style="vertical-align: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">8&#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">(5)&#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">(16)&#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:0.00em;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">137&#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">122&#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">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;"> <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">15&#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">12&#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">48&#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">54&#160;&#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">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">600&#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">110&#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>
<td style="vertical-align: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">490&#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">NM&#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">515&#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">NM&#160;&#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:0.00em;text-align:left;text-indent:0.00em;font-size:8pt;margin-bottom:0pt;margin-top:0pt">Allowance 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;&#160;$</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;2,210&#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;">$</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">&#160;&#160;&#160;1,296&#160;&#160;&#160;&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">$</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">1&#160;&#160;,329&#160;&#160;</p> </td>
<td style="vertical-align: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;$</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">914&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">71&#160;&#160;&#160;% </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;&#160;$</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;881&#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">66&#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">Nonaccrual loans and leases to 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">0.61&#160;&#160;&#160;% </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</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;</p> </td>
<td style="vertical-align: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;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">(2)&#160;&#160;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;"> <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">Net charge-offs as a % of 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">0.46&#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">0.41&#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">0.31&#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;"> <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">5&#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">15&#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="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 credit losses to 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">1.73&#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">1.09&#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">1.13&#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;"> <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">64&#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">60&#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 credit losses to nonaccrual 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">283.5&#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">184.3&#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">178.7&#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">% </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">NM&#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">NM&#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="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:9pt;margin-bottom:0px;margin-top:12pt">Nonacccrual loans increased $36&#160;million, or 5%, compared with March&#160;31, 2019, as a $102&#160;million increase in commercial was partially offset by a $66&#160;million decrease in retail reflecting improvement in home equity and education. Compared to December&#160;31, 2019, nonaccrual loans of $780&#160;million increased $77&#160;million, or 11%, reflecting a $69&#160;million increase in commercial and an $8&#160;million increase in retail. The nonaccrual loans to loans ratio of 0.61% at March&#160;31, 2020 increased 2 basis points from 0.59% at December&#160;31, 2019 and improved 2 basis points from 0.63% at March&#160;31, 2019. </p> <p style="font-family:Trebuchet MS;text-align:justify;font-size:9pt;margin-bottom:0px;margin-top:12pt">Net charge-offs of $137&#160;million increased $48&#160;million from first quarter 2019, reflecting a $20&#160;million increase in commercial, reflecting several uncorrelated commercial losses, and a $28&#160;million increase in retail driven by seasoning in growth portfolios. Compared with fourth quarter 2019, net charge-offs increased $15&#160;million driven by a $17&#160;million increase in commercial, partially offset by a $2&#160;million reduction in retail. </p> <p style="font-family:Trebuchet MS;text-align:justify;font-size:9pt;margin-bottom:0px;margin-top:12pt">First quarter 2020 net charge-offs were 46 basis points of average loans compared with 31 basis points in first quarter 2019 and 41 basis points in fourth quarter 2019. </p> <p style="font-family:Trebuchet MS;text-align:justify;font-size:9pt;margin-bottom:0px;margin-top:12pt">Provision for credit losses of $600&#160;million includes a $463&#160;million reserve build associated with <span style="white-space:nowrap">COVID-19</span> and compares with $85&#160;million in first quarter 2019 and $110&#160;million in fourth quarter 2019. </p> <p style="font-family:Trebuchet MS;text-align:justify;font-size:9pt;margin-bottom:0px;margin-top:12pt">The allowance for credit losses of $2.2&#160;billion includes impacts from the adoption of CECL on January&#160;1, 2020. This compares with $1.3&#160;billion at March&#160;31, 2019 and $1.3&#160;billion at December&#160;31, 2019. </p> <p style="font-family:Trebuchet MS;text-align:justify;font-size:9pt;margin-bottom:0px;margin-top:12pt">The allowance for credit losses to loans ratio was 1.73% as of March&#160;31, 2020, compared with 1.13% as of March&#160;31, 2019, and 1.09% as of December&#160;31, 2019. The allowance for credit losses to nonaccrual loans ratio of 283% as of March&#160;31, 2020 compares to 179% as of March&#160;31, 2019, and 184% as of December&#160;31, 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">15</p> <div></div> </div>

 </div>



<p style="margin-top:1em; margin-bottom:0em; 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;text-align:justify;font-size:9pt;margin-bottom:0pt;margin-top:0pt"> <span style="text-decoration:underline">About Citizens Financial Group, Inc</span>. </p> <p style="font-family:Trebuchet MS;text-align:justify;font-size:9pt;margin-bottom:0px;margin-top:12pt">Citizens Financial Group, Inc. is one of the nation&#8217;s oldest and largest financial institutions, with $176.7&#160;billion in assets as of March&#160;31, 2020. 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 2,800 ATMs and approximately 1,000 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 a broad complement of financial products and solutions, including lending and leasing, deposit and treasury management services, foreign exchange, interest rate and commodity risk management solutions, as well as loan syndication, corporate finance, merger and acquisition, and debt and equity capital markets capabilities. </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">16</p> <div></div> </div>

 </div>



<p style="margin-top:1em; margin-bottom:0em; 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;text-align:left;font-size:9pt;text-decoration:underline;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:9pt;margin-bottom:0px;margin-top:6pt">(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;text-align:left;font-size:9pt;text-decoration:underline;margin-bottom:0px;margin-top:12pt">Key Performance Metrics: </p> <p style="font-family:Trebuchet MS;text-align:left;font-size:9pt;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>
<table cellspacing="0" cellpadding="0" border="0" style="font-family:Trebuchet MS;border-collapse:collapse;text-align:left;width:100%;font-size:9pt;margin-bottom:0pt;margin-top:0pt;border:0;">
<tr style="page-break-inside:avoid;">
<td style="width:3%;text-align:left;">&#160;</td>
<td style="width:3%;vertical-align:top;">&#8226;</td>
<td style="font-family:Trebuchet MS;text-align:left;font-size:9pt;margin-bottom:0pt;margin-top:0pt;">Return on average tangible common equity (ROTCE);</td> </tr> </table> <p style="margin-bottom:0px;margin-top:6pt"></p>
<table cellspacing="0" cellpadding="0" border="0" style="font-family:Trebuchet MS;border-collapse:collapse;text-align:left;width:100%;font-size:9pt;margin-bottom:0pt;margin-top:0pt;border:0;">
<tr style="page-break-inside:avoid;">
<td style="width:3%;text-align:left;">&#160;</td>
<td style="width:3%;vertical-align:top;">&#8226;</td>
<td style="font-family:Trebuchet MS;text-align:left;font-size:9pt;margin-bottom:0pt;margin-top:0pt;">Efficiency ratio;</td> </tr> </table> <p style="margin-bottom:0px;margin-top:6pt"></p>
<table cellspacing="0" cellpadding="0" border="0" style="font-family:Trebuchet MS;border-collapse:collapse;text-align:left;width:100%;font-size:9pt;margin-bottom:0pt;margin-top:0pt;border:0;">
<tr style="page-break-inside:avoid;">
<td style="width:3%;text-align:left;">&#160;</td>
<td style="width:3%;vertical-align:top;">&#8226;</td>
<td style="font-family:Trebuchet MS;text-align:left;font-size:9pt;margin-bottom:0pt;margin-top:0pt;">Operating leverage; 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;border-collapse:collapse;text-align:left;width:100%;font-size:9pt;margin-bottom:0pt;margin-top:0pt;border:0;">
<tr style="page-break-inside:avoid;">
<td style="width:3%;text-align:left;">&#160;</td>
<td style="width:3%;vertical-align:top;">&#8226;</td>
<td style="font-family:Trebuchet MS;text-align:left;font-size:9pt;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:9pt;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;text-align:left;font-size:9pt;text-decoration:underline;margin-bottom:0px;margin-top:12pt"> <span style="white-space:nowrap">Non-GAAP</span> Financial Measures: </p> <p style="font-family:Trebuchet MS;text-align:justify;font-size:9pt;margin-bottom:0px;margin-top:12pt">This document contains <span style="white-space:nowrap">non-GAAP</span> financial measures denoted as Underlying results. In historical periods, these results may&#32;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> operating decisions. In addition, we believe our Underlying results in any given reporting period reflect our <span style="white-space:nowrap">on-going</span> 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>&#32;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:9pt;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&#32;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>
 <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>

 </div>



<p style="margin-top:1em; margin-bottom:0em; 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;margin-left:0%;text-align:left;text-indent:0%;font-size:9pt;margin-bottom:0pt;margin-top:0pt">Key performance metrics, <span style="white-space:nowrap">non-GAAP</span> financial measures and reconciliations </p> <p style="font-family:Trebuchet MS;margin-left:0%;text-align:left;text-indent:0%;font-size:9pt;margin-bottom:0pt;margin-top:0pt">(in millions, except share, <span style="white-space:nowrap">per-share</span> and ratio data) </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="width:84%;"></td>
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<td 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>
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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: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">QUARTERLY TRENDS </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:7pt;margin-bottom:0pt;margin-top:0pt"></p> </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: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>
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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: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 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>
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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:7pt;margin-bottom:0pt;margin-top:0pt">1Q20 Change </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:7pt;margin-bottom:0pt;margin-top:0pt"></p> </td>
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<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">1Q20 </p> </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">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">1Q19 </p> </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">4Q19 </p> </td>
<td>&#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:7pt;margin-bottom:0pt;margin-top:0pt">1Q19 </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:7pt;margin-bottom:0pt;margin-top:0pt"></p> </td>
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<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>
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<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: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: </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;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-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-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> </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>
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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">$497&#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">$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">$428&#160;&#160;&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</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>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</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">$69&#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">16&#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: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">&#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">&#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">&#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">&#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">&#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">&#8212;&#160;</p> </td>
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<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> </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">$497&#160;&#160;&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</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">$428&#160;&#160;&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</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>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</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">$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;">&#160;</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> </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> </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> </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">$1,657&#160;&#160;&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</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">$1,588&#160;&#160;&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</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>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</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;">&#160;</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="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">&#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">&#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">&#8212;&#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> </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">$1,657&#160;&#160;&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</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">$1,588&#160;&#160;&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</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>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</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;">&#160;</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="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> </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: </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> </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: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">$1,012&#160;&#160;&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</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">$937&#160;&#160;&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</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">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">$75&#160;&#160;&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</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> </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">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">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">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;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</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;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</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;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</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> </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">$979&#160;&#160;&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</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">$932&#160;&#160;&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</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;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</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">$47&#160;&#160;&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</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> </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> </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> </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">$1,657&#160;&#160;&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</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">$1,588&#160;&#160;&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</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>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</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;">&#160;</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="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">1,012&#160;&#160;&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</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">937&#160;&#160;&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</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">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:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">75&#160;&#160;&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</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;</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> </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">$645&#160;&#160;&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</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">$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">($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%)&#160;&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</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%)&#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: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> </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> </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">$1,657&#160;&#160;&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</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">$1,588&#160;&#160;&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</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>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</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;">&#160;</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="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">979&#160;&#160;&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</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">932&#160;&#160;&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</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;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</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>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</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;&#160;&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</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="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> </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, 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"></p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</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&#160;&#160;&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</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&#160;&#160;&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">$656&#160;&#160;&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</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;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</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">$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">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>
<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> </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">Income before income tax 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: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">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">$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">$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">$566&#160;&#160;&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</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;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</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;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">($521)&#160;&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</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;&#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: Expense before income tax 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">(33)&#160;&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</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">(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">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">11&#160;&#160;&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</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">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> </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">$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">$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">$571&#160;&#160;&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">($500)&#160;&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</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%)&#160;&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</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;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</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="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> </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">Income tax 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: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">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">I </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</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;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<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>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</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;&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</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;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</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;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</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;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<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;</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 tax 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">(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">(33)&#160;&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</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;text-align:right;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">25&#160;&#160;&#160;&#160;</p> <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">76&#160;&#160;&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</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">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> </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">$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">$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">$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">($105)&#160;&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</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;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">($109)&#160;&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</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;</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>
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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: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> </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> </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">$34&#160;&#160;&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</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">$439&#160;&#160;&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">($416)&#160;&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</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;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">($405)&#160;&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</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;&#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 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">25&#160;&#160;&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</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">21&#160;&#160;&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</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>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</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;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</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> </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, 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>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</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: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">$443&#160;&#160;&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">($395)&#160;&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</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%)&#160;&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">($384)&#160;&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</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%)&#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: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> </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 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>
<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">$12&#160;&#160;&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</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">$424&#160;&#160;&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</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;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</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%)&#160;&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">($412)&#160;&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</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%)&#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">Add: Notable items, net of income tax 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">25&#160;&#160;&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</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">21&#160;&#160;&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</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>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</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;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</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> </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">$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">$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">$428&#160;&#160;&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">($394)&#160;&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<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;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt">($391)&#160;&#160;&#160;</p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:8pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<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;</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> </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">18</p> <div></div> </div>

 </div>



<p style="margin-top:1em; margin-bottom:0em; 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;margin-left:0%;text-align:left;text-indent:0%;font-size:9pt;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;margin-left:0%;text-align:left;text-indent:0%;font-size:9pt;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>
<table cellspacing="0" cellpadding="0" border="0" style="font-size:7pt;border-collapse:separate;border-spacing:0;width:100%;margin-left:auto;margin-right:auto">
<tr>
<td style="width:53%;"></td>
<td style="width:2%;"></td>
<td style="width:3%;"></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: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 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;">&#160;</td>
<td colspan="27" 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> </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 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;">&#160;</td>
<td colspan="3" 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;text-align:center;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td colspan="3" 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;text-align:center;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td colspan="3" 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;text-align:center;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td colspan="15" 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">1Q20 Change </p> </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 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;">&#160;</td>
<td colspan="3" 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">1Q20 </p> </td>
<td style="vertical-align:bottom;font-weight:bold;text-align:center;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td colspan="3" 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;text-align:center;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td colspan="3" 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">1Q19 </p> </td>
<td style="vertical-align:bottom;font-weight:bold;text-align:center;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td colspan="7" 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>&#160;</td>
<td colspan="7" 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">1Q19 </p> </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 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;">&#160;</td>
<td colspan="3" 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;text-align:center;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td colspan="3" 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;text-align:center;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td colspan="3" 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;text-align:center;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td colspan="3" 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">$/bps </p> </td>
<td style="vertical-align:bottom;font-weight:bold;text-align:center;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td colspan="3" style="border-bottom:1pt solid #000000;vertical-align:bottom;"> <p style="font-family:Trebuchet MS;font-weight:bold;text-align:center;font-size:7pt;margin-bottom:0pt;margin-top:0pt">% </p> </td>
<td style="vertical-align:bottom;font-weight:bold;text-align:center;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td colspan="3" style="border-bottom:1pt solid #000000;vertical-align:bottom;"> <p style="font-family:Trebuchet MS;font-weight:bold;text-align:center;font-size:7pt;margin-bottom:0pt;margin-top:0pt">$/bps </p> </td>
<td style="vertical-align:bottom;font-weight:bold;text-align:center;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td colspan="3" 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;text-align:center;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">Operating leverage: </p> </td>
<td style="vertical-align:top;">&#160;</td>
<td 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: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="white-space:nowrap;vertical-align:bottom;"> <p style="font-family:Trebuchet MS;text-align:center;font-size:7pt;margin-bottom:0pt;margin-top:0pt">C </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;">$</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt">1,657 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt;">$</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;">$</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt">1,588 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt;">$</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;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td 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">1.30</p> </td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;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:7pt;margin-bottom:0pt;margin-top:0pt;">$</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;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">4.35</p> </td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">% </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="white-space:nowrap;vertical-align:bottom;"> <p style="font-family:Trebuchet MS;text-align:center;font-size:7pt;margin-bottom:0pt;margin-top:0pt">E </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">1,012 </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:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</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">937 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:7pt;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>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt">2.68 </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:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt">75 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt">8.06 </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="white-space:nowrap;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="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;border-bottom:1px solid #000000;">&#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;border-bottom:1px solid #000000;">&#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="white-space:nowrap;vertical-align:bottom;"> <p style="font-family:Trebuchet MS;text-align:center;font-size:7pt;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:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</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;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">(1.38</p> </td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;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:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</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;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">(3.71</p> </td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">%) </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="white-space:nowrap;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="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;border-bottom:3px double #000000;">&#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;border-bottom:3px double #000000;">&#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">Operating leverage, Underlying: </p> </td>
<td style="vertical-align:top;">&#160;</td>
<td style="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"></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> </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 <span style="white-space:nowrap">(non-GAAP) </span></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:center;font-size:7pt;margin-bottom:0pt;margin-top:0pt">D </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;">$</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt">1,657 </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:7pt;margin-bottom:0pt;margin-top:0pt;">$</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt">1,637 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt;">$</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt">1,588 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt;">$</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt">20 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt">1.30</p> </td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">% </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt;">$</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;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">4.35</p> </td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">% </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 <span style="white-space:nowrap">(non-GAAP) </span></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:center;font-size:7pt;margin-bottom:0pt;margin-top:0pt">F </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">979 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</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">932 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</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:right"> <p style="font-family:Trebuchet MS;font-size:7pt;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:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:7pt;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:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt">5.09 </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="white-space:nowrap;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="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;border-bottom:1px solid #000000;">&#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;border-bottom:1px solid #000000;">&#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, Underlying <span style="white-space:nowrap">(non-GAAP) </span></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:center;font-size:7pt;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:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</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;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">(1.86</p> </td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;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:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</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;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">(0.74&#160;</p> </td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">%)</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="white-space:nowrap;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="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;border-bottom:3px double #000000;">&#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;border-bottom:3px double #000000;">&#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">Efficiency ratio and efficiency ratio, Underlying: </p> </td>
<td style="vertical-align:top;">&#160;</td>
<td style="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"></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> </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="white-space:nowrap;vertical-align:bottom;"> <p style="font-family:Trebuchet MS;text-align:center;font-size:7pt;margin-bottom:0pt;margin-top:0pt">E/C </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;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">61.10</p> </td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;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: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;">% </td>
<td 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">59.00</p> </td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;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: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">82</p> </td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">&#160;bps </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-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"></p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td 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">210</p> </td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">&#160;bps </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-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"></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 <span style="white-space:nowrap">(non-GAAP) </span></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:center;font-size:7pt;margin-bottom:0pt;margin-top:0pt">F/D </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">59.08 </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:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</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">58.67 </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: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">106</p> </td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">&#160;bps </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-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"></p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td 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">41</p> </td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">&#160;bps </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-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"></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">Effective income tax rate and effective income tax rate, Underlying: </p> </td>
<td style="vertical-align:top;">&#160;</td>
<td style="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"></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> </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="white-space:nowrap;vertical-align:bottom;"> <p style="font-family:Trebuchet MS;text-align:center;font-size:7pt;margin-bottom:0pt;margin-top:0pt">I/G </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;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">24.13</p> </td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;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: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;">% </td>
<td 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">22.42</p> </td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;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: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">737</p> </td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">&#160;bps </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-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"></p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td 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">171</p> </td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">&#160;bps </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-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"></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 <span style="white-space:nowrap">(non-GAAP) </span></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:center;font-size:7pt;margin-bottom:0pt;margin-top:0pt">J/H </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">24.52 </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">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">22.44 </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;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">300</p> </td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">&#160;bps </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-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"></p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td 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">208</p> </td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">&#160;bps </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-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"></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">Return on average common equity and return on average common equity, Underlying: </p> </td>
<td style="vertical-align:top;">&#160;</td>
<td style="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"></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> </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="white-space:nowrap;vertical-align:bottom;"> <p style="font-family:Trebuchet MS;text-align:center;font-size:7pt;margin-bottom:0pt;margin-top:0pt">0 </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;">$</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt">20,223 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt;">$</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;">$</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt">19,942 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">($</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt">177</p> </td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;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: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</p> </td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;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:7pt;margin-bottom:0pt;margin-top:0pt;">$</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:7pt;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>
<td 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</p> </td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">% </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="white-space:nowrap;vertical-align:bottom;"> <p style="font-family:Trebuchet MS;text-align:center;font-size:7pt;margin-bottom:0pt;margin-top:0pt">M/O </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;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">0.24</p> </td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;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: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;">% </td>
<td 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;">% </td>
<td 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">(806</p> </td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">)&#160;bps </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-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"></p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td 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">(838&#160;bps </p> </td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;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: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"></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 <span style="white-space:nowrap">(non-GAAP) </span></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:center;font-size:7pt;margin-bottom:0pt;margin-top:0pt">N/O </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">0.74 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</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">8.71 </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;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">(762</p> </td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">)&#160;bps </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-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"></p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td 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">(797&#160;bps </p> </td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;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: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"></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">Return on average tangible common equity and return on average tangible common equity, Underlying: </p> </td>
<td style="vertical-align:top;">&#160;</td>
<td style="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"></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> </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="white-space:nowrap;vertical-align:bottom;"> <p style="font-family:Trebuchet MS;text-align:center;font-size:7pt;margin-bottom:0pt;margin-top:0pt">O </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;">$</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt">20,223 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt;">$</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt">20,400 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt;">$</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt">19,942 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td 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;">($</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt">177</p> </td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">) </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt">(1</p> </td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">%) </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt;">$</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:7pt;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>
<td 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</p> </td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">% </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="white-space:nowrap;vertical-align:bottom;"> <p style="font-family:Trebuchet MS;text-align:center;font-size:7pt;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:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt">7,046 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</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">7,018 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</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">&#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">28 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</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> </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="white-space:nowrap;vertical-align:bottom;"> <p style="font-family:Trebuchet MS;text-align:center;font-size:7pt;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:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:7pt;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:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</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">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;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">(2</p> </td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;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: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">(3</p> </td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;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:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</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 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</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> </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="white-space:nowrap;vertical-align:bottom;"> <p style="font-family:Trebuchet MS;text-align:center;font-size:7pt;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:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt">374 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</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">368 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</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">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">2 </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="white-space:nowrap;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;border-bottom:1px solid #000000;">&#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;border-bottom:1px solid #000000;">&#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;border-bottom:1px solid #000000;">&#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;border-bottom:1px solid #000000;">&#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;border-bottom:1px solid #000000;">&#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="white-space:nowrap;vertical-align:bottom;"> <p style="font-family:Trebuchet MS;text-align:center;font-size:7pt;margin-bottom:0pt;margin-top:0pt">P </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;">$</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt">13,484 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt;">$</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;">$</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt">13,233 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">($</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt">176</p> </td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;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: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</p> </td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;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:7pt;margin-bottom:0pt;margin-top:0pt;">$</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt">251 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td 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">2</p> </td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">% </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="white-space:nowrap;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;border-bottom:3px double #000000;">&#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;border-bottom:3px double #000000;">&#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;border-bottom:3px double #000000;">&#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;border-bottom:3px double #000000;">&#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;border-bottom:3px double #000000;">&#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 tangible common equity </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:center;font-size:7pt;margin-bottom:0pt;margin-top:0pt">M/P </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;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">0.36&#160;</p> </td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;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: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&#160;</p> </td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;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: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">13.00&#160;</p> </td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;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: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">(1,203&#160;bps </p> </td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;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: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"></p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td 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">(1,264&#160;bps </p> </td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;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: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"></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 <span style="white-space:nowrap">(non-GAAP) </span></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:center;font-size:7pt;margin-bottom:0pt;margin-top:0pt">N/P </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">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:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</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">13.12 </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;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">(1,139&#160;bps </p> </td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;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: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"></p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td 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">(1,202&#160;bps </p> </td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;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: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"></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">Return on average total assets and return on average total assets, Underlying: </p> </td>
<td style="vertical-align:top;">&#160;</td>
<td style="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"></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> </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="white-space:nowrap;vertical-align:bottom;"> <p style="font-family:Trebuchet MS;text-align:center;font-size:7pt;margin-bottom:0pt;margin-top:0pt">Q </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;">$</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt">167,177 </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:7pt;margin-bottom:0pt;margin-top:0pt;">$</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt">164,646 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt;">$</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt">160,415 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt;">$</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt">2,531 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt">2</p> </td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">% </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt;">$</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt">6,762 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td 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">4</p> </td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">% </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="white-space:nowrap;vertical-align:bottom;"> <p style="font-family:Trebuchet MS;text-align:center;font-size:7pt;margin-bottom:0pt;margin-top:0pt">K/Q </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;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">0.08</p> </td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;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: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;">% </td>
<td 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;">% </td>
<td 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">(100&#160;bps </p> </td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;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: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"></p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td 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">(103&#160;bps </p> </td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;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: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"></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 <span style="white-space:nowrap">(non-GAAP) </span></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:center;font-size:7pt;margin-bottom:0pt;margin-top:0pt">L/Q </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">0.14 </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">1.09 </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">1.12 </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;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">(95&#160;bps </p> </td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;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: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"></p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td 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">(98&#160;bps </p> </td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;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: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"></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">Return on average total tangible assets and return on average total tangible assets, Underlying: </p> </td>
<td style="vertical-align:top;">&#160;</td>
<td style="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"></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> </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="white-space:nowrap;vertical-align:bottom;"> <p style="font-family:Trebuchet MS;text-align:center;font-size:7pt;margin-bottom:0pt;margin-top:0pt">Q </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;">$</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt">167,177 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt;">$</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;">$</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt">160,415 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt;">$</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt">2,531 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td 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">2</p> </td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;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:7pt;margin-bottom:0pt;margin-top:0pt;">$</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt">6,762 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td 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">4</p> </td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">% </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="white-space:nowrap;vertical-align:bottom;"> <p style="font-family:Trebuchet MS;text-align:center;font-size:7pt;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:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt">7,046 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</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">7,018 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</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">&#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">28 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</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> </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="white-space:nowrap;vertical-align:bottom;"> <p style="font-family:Trebuchet MS;text-align:center;font-size:7pt;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:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:7pt;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:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</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">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;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">(2</p> </td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;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: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">(3</p> </td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;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:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</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 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</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> </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="white-space:nowrap;vertical-align:bottom;"> <p style="font-family:Trebuchet MS;text-align:center;font-size:7pt;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:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt">374 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</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">368 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</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">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">2 </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="white-space:nowrap;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;border-bottom:1px solid #000000;">&#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;border-bottom:1px solid #000000;">&#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;border-bottom:1px solid #000000;">&#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;border-bottom:1px solid #000000;">&#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;border-bottom:1px solid #000000;">&#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 assets </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:center;font-size:7pt;margin-bottom:0pt;margin-top:0pt">R </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;">$</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt">160,438 </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:7pt;margin-bottom:0pt;margin-top:0pt;">$</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt">157,906 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt;">$</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt">153,706 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt;">$</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt">2,532 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt">2</p> </td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">% </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt;">$</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt">6,732 </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;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">4</p> </td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">% </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="white-space:nowrap;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;border-bottom:3px double #000000;">&#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;border-bottom:3px double #000000;">&#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;border-bottom:3px double #000000;">&#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;border-bottom:3px double #000000;">&#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;border-bottom:3px double #000000;">&#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="white-space:nowrap;vertical-align:bottom;"> <p style="font-family:Trebuchet MS;text-align:center;font-size:7pt;margin-bottom:0pt;margin-top:0pt">K/R </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;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">0.09</p> </td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;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: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;">% </td>
<td 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;">% </td>
<td 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">(104&#160;bps </p> </td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;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: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"></p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td 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">(107&#160;bps </p> </td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;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: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"></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 <span style="white-space:nowrap">(non-GAAP) </span></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:center;font-size:7pt;margin-bottom:0pt;margin-top:0pt">L/R </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">0.15 </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:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</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">1.17 </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;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">(99&#160;bps </p> </td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;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: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"></p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td 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">(102&#160;bps </p> </td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;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: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"></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">19</p> <div></div> </div>

 </div>



<p style="margin-top:1em; margin-bottom:0em; 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;margin-left:0%;text-align:left;text-indent:0%;font-size:9pt;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;margin-left:0%;text-align:left;text-indent:0%;font-size:9pt;margin-bottom:0pt;margin-top:0pt">(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;text-align:right;font-size:9pt;margin-bottom:0pt;margin-top:0pt"></p> <div></div> <p style="margin-top:1em;margin-bottom:0em"></p>
<table cellspacing="0" cellpadding="0" border="0" style="font-size:7pt;border-collapse:separate;border-spacing:0;width:100%;margin-left:auto;margin-right:auto">
<tr>
<td style="width:45%;"></td>
<td style="width:2%;"></td>
<td style="width:3%;"></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>
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<td></td>
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<td></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:7pt;margin-bottom:0pt;margin-top:0pt"></p> </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:7pt;margin-bottom:0pt;margin-top:0pt"></p> </td>
<td style="vertical-align:bottom;">&#160;</td>
<td colspan="27" 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> </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:7pt;margin-bottom:0pt;margin-top:0pt"></p> </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:7pt;margin-bottom:0pt;margin-top:0pt"></p> </td>
<td style="vertical-align:bottom;">&#160;</td>
<td colspan="3" 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;text-align:center;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td colspan="3" 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;text-align:center;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td colspan="3" 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;text-align:center;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td colspan="15" 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">1Q20 Change </p> </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:7pt;margin-bottom:0pt;margin-top:0pt"></p> </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:7pt;margin-bottom:0pt;margin-top:0pt"></p> </td>
<td style="vertical-align:bottom;">&#160;</td>
<td colspan="3" 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">1Q20 </p> </td>
<td style="vertical-align:bottom;font-weight:bold;text-align:center;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td colspan="3" 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;text-align:center;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td colspan="3" 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">1Q19 </p> </td>
<td style="vertical-align:bottom;font-weight:bold;text-align:center;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td colspan="7" 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>&#160;</td>
<td colspan="7" 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">1Q19 </p> </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:7pt;margin-bottom:0pt;margin-top:0pt"></p> </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:7pt;margin-bottom:0pt;margin-top:0pt"></p> </td>
<td style="vertical-align:bottom;">&#160;</td>
<td colspan="3" 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;text-align:center;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td colspan="3" 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;text-align:center;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td colspan="3" 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;text-align:center;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td colspan="3" 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">$/bps </p> </td>
<td style="vertical-align:bottom;font-weight:bold;text-align:center;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td colspan="3" style="border-bottom:1pt solid #000000;vertical-align:bottom;"> <p style="font-family:Trebuchet MS;font-weight:bold;text-align:center;font-size:7pt;margin-bottom:0pt;margin-top:0pt">% </p> </td>
<td style="vertical-align:bottom;font-weight:bold;text-align:center;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td colspan="3" style="border-bottom:1pt solid #000000;vertical-align:bottom;"> <p style="font-family:Trebuchet MS;font-weight:bold;text-align:center;font-size:7pt;margin-bottom:0pt;margin-top:0pt">$/bps </p> </td>
<td style="vertical-align:bottom;font-weight:bold;text-align:center;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td colspan="3" 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;text-align:center;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">Tangible book value per common share: </p> </td>
<td style="vertical-align:top;">&#160;</td>
<td 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: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">Common shares&#8212;at <span style="white-space:nowrap">period-end</span> (GAAP) </p> </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;"> <p style="font-family:Trebuchet MS;text-align:center;font-size:7pt;margin-bottom:0pt;margin-top:0pt">S </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">426,586,533 </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">433,121,083 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt">461,116,723 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td 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">(6,534,550</p> </td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;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: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">(2</p> </td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;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: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">(34,530,190</p> </td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;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: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">(7&#160;&#160;</p> </td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">%)</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">Common stockholders&#8217; equity (GAAP) </p> </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;"> <p style="font-family:Trebuchet MS;text-align:center;font-size:7pt;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:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt">$20,380 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt">$20,631 </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:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt">$20,399 </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: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">($251</p> </td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;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: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</p> </td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;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: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">($19</p> </td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;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:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</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> </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">Less: Goodwill (GAAP) </p> </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;"> <p style="font-family:Trebuchet MS;text-align:center;font-size:7pt;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:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt">7,050 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</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">7,040 </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:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</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">&#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">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: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> </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: Other intangible assets (GAAP) </p> </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;"> <p style="font-family:Trebuchet MS;text-align:center;font-size:7pt;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:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:7pt;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:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:7pt;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:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</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 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td 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">(2</p> </td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;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: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">(3</p> </td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;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: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">(14</p> </td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;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: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">(18</p> </td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">) </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">Add: Deferred tax liabilities related to goodwill (GAAP) </p> </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;"> <p style="font-family:Trebuchet MS;text-align:center;font-size:7pt;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:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt">375 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt">374 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</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: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>
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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">5 </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">1 </p> </td>
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<td style="padding-right:2pt;vertical-align:bottom;border-bottom:1px solid #000000;">&#160;</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">Tangible common equity </p> </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;"> <p style="font-family:Trebuchet MS;text-align:center;font-size:7pt;margin-bottom:0pt;margin-top:0pt">T </p> </td>
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<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">$13,639</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;&#32;</td>
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<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">$13,893</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;&#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;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">$13,649</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;&#32;</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">($254&#160;</p> </td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;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: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">(2</p> </td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;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: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&#160;</p> </td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;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: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">&#8212;</p> </td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">% </td> </tr>
<tr style="font-size:0pt;page-break-inside:avoid;">
<td style="vertical-align:bottom;">&#160;</td>
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<td style="padding-right:2pt;vertical-align:bottom;border-bottom:3px double #000000;">&#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: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">Tangible book value per common share </p> </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;"> <p style="font-family:Trebuchet MS;text-align:center;font-size:7pt;margin-bottom:0pt;margin-top:0pt">T/S </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">$31.97 </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:right"> <p style="font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt">$32.08 </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:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt">$29.60 </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: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">($0.11</p> </td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;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: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">&#8212;</p> </td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;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:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt">$2.37 </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;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</p> </td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">% </td> </tr>
<tr style="background-color:#cceeff;page-break-inside:avoid;font-size:7pt;">
<td colspan="7" 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">Net income per average common share - basic and diluted and net income per average common share - basic and diluted, Underlying:</span> </p> </td>
<td>&#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 shares outstanding - basic (GAAP) </p> </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;"> <p style="font-family:Trebuchet MS;text-align:center;font-size:7pt;margin-bottom:0pt;margin-top:0pt">U </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">427,718,421 </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:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt">434,684,606 </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:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt">460,713,172 </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: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">(6,966,185</p> </td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;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: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">(2</p> </td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;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: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">(32,994,751</p> </td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;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: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">(7</p> </td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">%) </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">Average common shares outstanding - diluted (GAAP) </p> </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;"> <p style="font-family:Trebuchet MS;text-align:center;font-size:7pt;margin-bottom:0pt;margin-top:0pt">V </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">429,388,855 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt">436,500,829 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt">462,520,680 </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;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">(7,111,974</p> </td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;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: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">(2</p> </td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;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: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">(33,131,825</p> </td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;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: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">(7</p> </td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">) </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">Net income per average common share - basic (GAAP) </p> </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;"> <p style="font-family:Trebuchet MS;text-align:center;font-size:7pt;margin-bottom:0pt;margin-top:0pt">M/U </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">$0.03 </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">$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:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt">$0.92 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td 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">($0.95</p> </td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;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: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">(97</p> </td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;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: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">($0.89</p> </td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;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: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">(97</p> </td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">) </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">Net income per average common share - diluted (GAAP) </p> </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;"> <p style="font-family:Trebuchet MS;text-align:center;font-size:7pt;margin-bottom:0pt;margin-top:0pt">M/V </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">0.03 </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">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:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt">0.92 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td 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">(0.95</p> </td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;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: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">(97</p> </td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;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: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">(0.89</p> </td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;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: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">(97</p> </td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">) </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">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;"> <p style="font-family:Trebuchet MS;text-align:center;font-size:7pt;margin-bottom:0pt;margin-top:0pt">N/U </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">0.09 </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">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:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt">0.93 </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: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">(0.90</p> </td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;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: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">(91</p> </td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;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: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">(0.84</p> </td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;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: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">(90</p> </td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">) </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">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;"> <p style="font-family:Trebuchet MS;text-align:center;font-size:7pt;margin-bottom:0pt;margin-top:0pt">N/V </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">0.09 </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">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:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt">0.93 </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: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">(0.90</p> </td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;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: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">(91</p> </td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;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: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">(0.84</p> </td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;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: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">(90</p> </td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;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">20</p> <div></div> </div>

 </div>



<p style="margin-top:1em; margin-bottom:0em; 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;margin-left:0%;text-align:left;text-indent:0%;font-size:9pt;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;margin-left:0%;text-align:left;text-indent:0%;font-size:9pt;margin-bottom:0pt;margin-top:0pt">(in millions, except share, <span style="white-space:nowrap">per-share</span> and ratio data) </p> <p style="font-family:Trebuchet MS;text-align:justify;font-size:9pt;margin-bottom:0pt;margin-top:0pt"></p> <div></div> <p style="margin-top:1em;margin-bottom:0em"></p>
<table cellspacing="0" cellpadding="0" border="0" style="font-size:7pt;border-collapse:separate;border-spacing:0;width:100%;margin-left:auto;margin-right:auto">
<tr>
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<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="27" 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> </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="3" 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;text-align:center;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td colspan="3" 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;text-align:center;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td colspan="3" 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;text-align:center;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td colspan="15" 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">1Q20 Change </p> </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="3" 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">1Q20 </p> </td>
<td style="vertical-align:bottom;font-weight:bold;text-align:center;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td colspan="3" 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;text-align:center;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td colspan="3" 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">1Q19 </p> </td>
<td style="vertical-align:bottom;font-weight:bold;text-align:center;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td colspan="7" 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>&#160;</td>
<td colspan="7" 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">1Q19 </p> </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="3" 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;text-align:center;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td colspan="3" 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;text-align:center;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td colspan="3" 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;text-align:center;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td colspan="3" 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">$/bps </p> </td>
<td style="white-space:nowrap;vertical-align:bottom;font-weight:bold;text-align:center;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td colspan="3" style="border-bottom:1pt solid #000000;vertical-align:bottom;"> <p style="font-family:Trebuchet MS;font-weight:bold;text-align:center;font-size:7pt;margin-bottom:0pt;margin-top:0pt">% </p> </td>
<td style="vertical-align:bottom;font-weight:bold;text-align:center;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td colspan="3" style="border-bottom:1pt solid #000000;white-space:nowrap;vertical-align:bottom;"> <p style="font-family:Trebuchet MS;font-weight:bold;text-align:center;font-size:7pt;margin-bottom:0pt;margin-top:0pt">$/bps </p> </td>
<td style="white-space:nowrap;vertical-align:bottom;font-weight:bold;text-align:center;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td colspan="3" 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;text-align:center;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">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>
<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">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">$549 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</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 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt">$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:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:7pt;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: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</p> </td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;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:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt">$40 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td 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</p> </td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">% </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">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: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">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">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">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:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</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">NM </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;border-bottom:1px solid #000000;">&#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;border-bottom:1px solid #000000;">&#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;border-bottom:1px solid #000000;">&#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;border-bottom:1px solid #000000;">&#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;border-bottom:1px solid #000000;">&#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">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;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">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;$539</p> </td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">&#160;&#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;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">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;$496</p> </td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">&#160;&#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;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">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;$508</p> </td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">&#160;&#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;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">&#160;&#160;&#160;&#160;&#160;&#160;&#160;&#160;$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;&#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;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</p> </td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;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:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</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;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">6</p> </td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">% </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;border-bottom:3px double #000000;">&#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;border-bottom:3px double #000000;">&#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;border-bottom:3px double #000000;">&#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;border-bottom:3px double #000000;">&#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;border-bottom:3px double #000000;">&#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: </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> </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 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</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">$125 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt">$&#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;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">&#8212;</p> </td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;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:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</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 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td 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">6</p> </td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">% </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">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">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:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</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;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">(2</p> </td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;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: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">(67</p> </td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;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:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</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">100 </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;border-bottom:1px solid #000000;">&#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;border-bottom:1px solid #000000;">&#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;border-bottom:1px solid #000000;">&#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;border-bottom:1px solid #000000;">&#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;border-bottom:1px solid #000000;">&#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">Equipment and software 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">$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:right"> <p style="font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt">$130 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt">$125 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</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;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">2</p> </td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;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:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</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 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td 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">6</p> </td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">% </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;border-bottom:3px double #000000;">&#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;border-bottom:3px double #000000;">&#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;border-bottom:3px double #000000;">&#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;border-bottom:3px double #000000;">&#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;border-bottom:3px double #000000;">&#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">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>
<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">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">$135 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</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 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:7pt;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: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">($7</p> </td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;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: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">(5</p> </td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;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:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</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 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td 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">23</p> </td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">% </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">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:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</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;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</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;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">(2</p> </td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;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: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;">) </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</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">NM </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;border-bottom:1px solid #000000;">&#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;border-bottom:1px solid #000000;">&#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;border-bottom:1px solid #000000;">&#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;border-bottom:1px solid #000000;">&#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;border-bottom:1px solid #000000;">&#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">$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:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</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 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt">$106 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td 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">($5</p> </td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;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: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">(4</p> </td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;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:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</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 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td 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;">% </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;border-bottom:3px double #000000;">&#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;border-bottom:3px double #000000;">&#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;border-bottom:3px double #000000;">&#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;border-bottom:3px double #000000;">&#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;border-bottom:3px double #000000;">&#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> </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">$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:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</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;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:7pt;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: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">($4</p> </td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;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: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">(5&#160;</p> </td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;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:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</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;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</p> </td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">% </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">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">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:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</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;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">(4</p> </td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;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: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">(50</p> </td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;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:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</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">100 </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;border-bottom:1px solid #000000;">&#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;border-bottom:1px solid #000000;">&#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;border-bottom:1px solid #000000;">&#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;border-bottom:1px solid #000000;">&#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;border-bottom:1px solid #000000;">&#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 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</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 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt">$83 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt">$&#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;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">&#8212;</p> </td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;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: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">($3&#160;</p> </td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;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: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">(4&#160;</p> </td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">%)</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;border-bottom:3px double #000000;">&#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;border-bottom:3px double #000000;">&#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;border-bottom:3px double #000000;">&#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;border-bottom:3px double #000000;">&#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;border-bottom:3px double #000000;">&#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">21</p> <div></div> </div>

 </div>



<p style="margin-top:1em; margin-bottom:0em; 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;margin-left:0%;text-align:left;text-indent:0%;font-size:9pt;margin-bottom:0pt;margin-top:0pt">Key performance metrics, <span style="white-space:nowrap">non-GAAP</span> financial measures and reconciliations - Underlying excluding the impact of <span style="white-space:nowrap">COVID-19</span> on provision for credit losses </p> <p style="font-family:Trebuchet MS;margin-left:0%;text-align:left;text-indent:0%;font-size:9pt;margin-bottom:0pt;margin-top:0pt">(in millions, except share, <span style="white-space:nowrap">per-share</span> and ratio data) </p>
<table cellspacing="0" cellpadding="0" border="0" style="font-size:7pt;border-collapse:separate;border-spacing:0;width:100%;margin-bottom:0px;margin-top:12pt;margin-left:auto;margin-right:auto">
<tr>
<td style="width:57%;"></td>
<td style="width:1%;"></td>
<td></td>
<td></td>
<td></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>
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<td></td>
<td style="width:1%;"></td>
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<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:7pt;">
<td 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;">&#160;</td>
<td colspan="2" style="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"></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="27" 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> </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:7pt;margin-bottom:0pt;margin-top:0pt"></p> </td>
<td style="vertical-align:bottom;">&#160;</td>
<td colspan="2" style="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"></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="3" 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;text-align:center;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td colspan="3" 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;text-align:center;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td colspan="3" 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;text-align:center;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td colspan="15" 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">1Q20 Change </p> </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:7pt;margin-bottom:0pt;margin-top:0pt"></p> </td>
<td style="vertical-align:bottom;">&#160;</td>
<td colspan="2" style="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"></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="3" 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">1Q20 </p> </td>
<td style="vertical-align:bottom;font-weight:bold;text-align:center;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td colspan="3" 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;text-align:center;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td colspan="3" 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">1Q19 </p> </td>
<td style="vertical-align:bottom;font-weight:bold;text-align:center;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td colspan="7" 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>&#160;</td>
<td colspan="7" 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">1Q19 </p> </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:7pt;margin-bottom:0pt;margin-top:0pt"></p> </td>
<td style="vertical-align:bottom;">&#160;</td>
<td colspan="2" style="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"></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="3" 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;text-align:center;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td colspan="3" 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;text-align:center;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td colspan="3" 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;text-align:center;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td colspan="3" 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">$/bps </p> </td>
<td style="vertical-align:bottom;font-weight:bold;text-align:center;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td colspan="3" style="border-bottom:1pt solid #000000;vertical-align:bottom;"> <p style="font-family:Trebuchet MS;font-weight:bold;text-align:center;font-size:7pt;margin-bottom:0pt;margin-top:0pt">% </p> </td>
<td style="vertical-align:bottom;font-weight:bold;text-align:center;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td colspan="3" style="border-bottom:1pt solid #000000;vertical-align:bottom;"> <p style="font-family:Trebuchet MS;font-weight:bold;text-align:center;font-size:7pt;margin-bottom:0pt;margin-top:0pt">$/bps </p> </td>
<td style="vertical-align:bottom;font-weight:bold;text-align:center;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td colspan="3" 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;text-align:center;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">Net income available to common shareholders, Underlying excluding the impact of <span style="white-space:nowrap">COVID-19: </span></p> </td>
<td style="vertical-align:top;">&#160;</td>
<td style="white-space:nowrap;vertical-align:bottom;font-family:Trebuchet MS;font-weight:bold;font-size:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="white-space:nowrap;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="white-space:nowrap;vertical-align:bottom;font-weight:bold;padding-right:2pt;margin-bottom:0pt;margin-top: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">Net income available to common shareholders (GAAP) </p> </td>
<td style="vertical-align:top;">&#160;</td>
<td style="white-space:nowrap;vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:center"> <p style="font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt">A </p> </td>
<td style="white-space:nowrap;vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</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">$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:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt">$424 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td 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">($415</p> </td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;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: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">(97&#160;</p> </td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;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: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">($412</p> </td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;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: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">(97&#160;</p> </td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">%)</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: Notable items </p> </td>
<td style="vertical-align:top;">&#160;</td>
<td style="white-space:nowrap;vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="white-space:nowrap;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="white-space:nowrap;vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</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 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</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">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">21 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</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>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</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 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</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="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: Impact of <span style="white-space:nowrap">COVID-19 </span></p> </td>
<td style="vertical-align:top;">&#160;</td>
<td style="white-space:nowrap;vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="white-space:nowrap;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="white-space:nowrap;vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt">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">&#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">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">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:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt">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">100 </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="white-space:nowrap;vertical-align:bottom;">&#160;</td>
<td style="white-space:nowrap;vertical-align:bottom;">&#160;</td>
<td style="white-space:nowrap;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;border-bottom:1px solid #000000;">&#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;border-bottom:1px solid #000000;">&#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;border-bottom:1px solid #000000;">&#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;border-bottom:1px solid #000000;">&#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;border-bottom:1px solid #000000;">&#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">Net income available to common shareholders, Underlying excluding the impact of <span style="white-space:nowrap">COVID-19</span>&#32;<span style="white-space:nowrap">(non-GAAP) </span></p> </td>
<td style="vertical-align:top;">&#160;</td>
<td style="white-space:nowrap;vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:center"> <p style="font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt">B </p> </td>
<td style="white-space:nowrap;vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt">$402 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:7pt;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:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt">$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: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">($29</p> </td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;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: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">(7</p> </td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;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: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">($26</p> </td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;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: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">(6</p> </td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">%) </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="white-space:nowrap;vertical-align:bottom;">&#160;</td>
<td style="white-space:nowrap;vertical-align:bottom;">&#160;</td>
<td style="white-space:nowrap;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;border-bottom:3px double #000000;">&#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;border-bottom:3px double #000000;">&#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;border-bottom:3px double #000000;">&#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;border-bottom:3px double #000000;">&#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;border-bottom:3px double #000000;">&#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;font-weight:bold;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 excluding the impact of <span style="white-space:nowrap">COVID-19: </span></p> </td>
<td style="vertical-align:top;">&#160;</td>
<td style="white-space:nowrap;vertical-align:bottom;font-family:Trebuchet MS;font-weight:bold;font-size:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="white-space:nowrap;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="white-space:nowrap;vertical-align:bottom;font-weight:bold;padding-right:2pt;margin-bottom:0pt;margin-top: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">Average common equity (GAAP) </p> </td>
<td style="vertical-align:top;">&#160;</td>
<td style="white-space:nowrap;vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="white-space:nowrap;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="white-space:nowrap;vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt">$20,223 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</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">$19,942 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td 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">($177</p> </td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;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: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</p> </td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;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:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:7pt;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>
<td 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</p> </td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">% </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 goodwill (GAAP) </p> </td>
<td style="vertical-align:top;">&#160;</td>
<td style="white-space:nowrap;vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="white-space:nowrap;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="white-space:nowrap;vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt">7,046 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</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">7,018 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</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">&#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">28 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</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> </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 other intangibles (GAAP) </p> </td>
<td style="vertical-align:top;">&#160;</td>
<td style="white-space:nowrap;vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="white-space:nowrap;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="white-space:nowrap;vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:7pt;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:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</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">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;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">(2</p> </td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;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: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">(3</p> </td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;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:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</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 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</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> </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">Add: Average deferred tax liabilities related to goodwill (GAAP) </p> </td>
<td style="vertical-align:top;">&#160;</td>
<td style="white-space:nowrap;vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="white-space:nowrap;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="white-space:nowrap;vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt">374 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</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">368 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</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">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">2 </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="white-space:nowrap;vertical-align:bottom;">&#160;</td>
<td style="white-space:nowrap;vertical-align:bottom;">&#160;</td>
<td style="white-space:nowrap;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;border-bottom:1px solid #000000;">&#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;border-bottom:1px solid #000000;">&#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;border-bottom:1px solid #000000;">&#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;border-bottom:1px solid #000000;">&#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;border-bottom:1px solid #000000;">&#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">Average tangible common equity </p> </td>
<td style="vertical-align:top;">&#160;</td>
<td style="white-space:nowrap;vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="white-space:nowrap;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="white-space:nowrap;vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt">$13,484 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</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">$13,233 </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: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">($176</p> </td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;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: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</p> </td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;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:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt">$251 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td 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">2</p> </td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">% </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="white-space:nowrap;vertical-align:bottom;">&#160;</td>
<td style="white-space:nowrap;vertical-align:bottom;">&#160;</td>
<td style="white-space:nowrap;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;border-bottom:3px double #000000;">&#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;border-bottom:3px double #000000;">&#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;border-bottom:3px double #000000;">&#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;border-bottom:3px double #000000;">&#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;border-bottom:3px double #000000;">&#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">Return on average tangible common equity </p> </td>
<td style="vertical-align:top;">&#160;</td>
<td style="white-space:nowrap;vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:center"> <p style="font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt">A/C </p> </td>
<td style="white-space:nowrap;vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td 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">0.36&#160;</p> </td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;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: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&#160;</p> </td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;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: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">13.00&#160;</p> </td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;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: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">(1,203</p> </td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">)&#160;bps </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</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;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">(1,264</p> </td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">)&#160;bps </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</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> </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 tangible common equity, Underlying excluding the impact of <span style="white-space:nowrap">COVID-19</span>&#32;<span style="white-space:nowrap">(non-GAAP) </span></p> </td>
<td style="vertical-align:top;">&#160;</td>
<td style="white-space:nowrap;vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:center"> <p style="font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt">B/C </p> </td>
<td style="white-space:nowrap;vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt">12.00 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</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">13.12 </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;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">(49</p> </td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">)&#160;bps </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</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;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">(112</p> </td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">)&#160;bps </td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</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> </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">Net income per average common share - basic and diluted, Underlying excluding the impact of <span style="white-space:nowrap">COVID-19: </span></p> </td>
<td style="vertical-align:top;">&#160;</td>
<td style="white-space:nowrap;vertical-align:bottom;font-family:Trebuchet MS;font-weight:bold;font-size:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="white-space:nowrap;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="white-space:nowrap;vertical-align:bottom;font-weight:bold;padding-right:2pt;margin-bottom:0pt;margin-top: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">Average common shares outstanding - basic (GAAP) </p> </td>
<td style="vertical-align:top;">&#160;</td>
<td style="white-space:nowrap;vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="white-space:nowrap;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="white-space:nowrap;vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt">&#160;&#160;427,718,421 </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:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt">&#160;&#160;434,684,606 </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:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt">&#160;&#160;460,713,172 </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: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">&#160;&#160;(6,966,185</p> </td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;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: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">(2</p> </td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;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: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">&#160;&#160;(32,994,751&#160;</p> </td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;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: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">(7</p> </td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">%) </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 shares outstanding - diluted (GAAP) </p> </td>
<td style="vertical-align:top;">&#160;</td>
<td style="white-space:nowrap;vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="white-space:nowrap;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="white-space:nowrap;vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt">429,388,855 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt">436,500,829 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt">462,520,680 </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;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">(7,111,974</p> </td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;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: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">(2</p> </td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;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: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">(33,131,825</p> </td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;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: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">(7</p> </td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">) </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">Net income per average common share - basic (GAAP) </p> </td>
<td style="vertical-align:top;">&#160;</td>
<td style="white-space:nowrap;vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:center"> <p style="font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt">A/D </p> </td>
<td style="white-space:nowrap;vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt">$0.03 </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">$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:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt">$0.92 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td 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">($0.95</p> </td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;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: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">(97</p> </td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;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: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">($0.89</p> </td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;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: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">(97</p> </td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">) </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">Net income per average common share - diluted (GAAP) </p> </td>
<td style="vertical-align:top;">&#160;</td>
<td style="white-space:nowrap;vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:center"> <p style="font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt">A/E </p> </td>
<td style="white-space:nowrap;vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt">0.03 </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">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:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt">0.92 </p> </td>
<td style="vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td 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">(0.95</p> </td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;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: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">(97</p> </td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;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: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">(0.89</p> </td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;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: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">(97</p> </td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt;white-space:nowrap;">) </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">Net income per average common share - basic, Underlying excluding the impact of <span style="white-space:nowrap">COVID-19</span>&#32;<span style="white-space:nowrap">(non-GAAP) </span></p> </td>
<td style="vertical-align:top;">&#160;</td>
<td style="white-space:nowrap;vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:center"> <p style="font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt">B/D </p> </td>
<td style="white-space:nowrap;vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt">0.94 </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:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt">0.99 </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:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt">0.93 </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: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">(0.05</p> </td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;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: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">(5</p> </td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;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:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt">0.01 </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:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</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> </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">Net income per average common share - diluted, Underlying excluding the impact of <span style="white-space:nowrap">COVID-19</span>&#32;<span style="white-space:nowrap">(non-GAAP) </span></p> </td>
<td style="vertical-align:top;">&#160;</td>
<td style="white-space:nowrap;vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="white-space:nowrap;vertical-align:bottom;text-align:center"> <p style="font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt">B/E </p> </td>
<td style="white-space:nowrap;vertical-align:bottom;padding-right:2pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:top;">&#160;</td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt">0.94 </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:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt">0.99 </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:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt">0.93 </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: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">(0.05</p> </td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;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: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">(5</p> </td>
<td style="vertical-align:bottom;font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;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:7pt;margin-bottom:0pt;margin-top:0pt;">&#160;</td>
<td style="vertical-align:bottom;text-align:right"> <p style="font-family:Trebuchet MS;font-size:7pt;margin-bottom:0pt;margin-top:0pt">0.01 </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">1 </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">22</p> <div></div> </div>

 </div>



<p style="margin-top:1em; margin-bottom:0em; page-break-before:always"> </p>
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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:9pt;margin-bottom:0pt;margin-top:0pt">Forward-Looking Statements </p> <p style="font-family:Trebuchet MS;text-align:justify;font-size:9pt;margin-bottom:0px;margin-top:6pt">This document contains forward-looking statements within the meaning of Private Securities Litigation Reform Act of 1995. Statements regarding potential future share repurchases and future dividends, as well as the potential effects of the <span style="white-space:nowrap">COVID-19 </span>&#32;pandemic on our business, operations, financial performance and prospects, are forward-looking statements. Also, any statement that does not describe historical or current facts is a forward-looking statement. These statements often include the words &#8220;believes,&#8221; &#8220;expects,&#8221; &#8220;anticipates,&#8221; &#8220;estimates,&#8221; &#8220;intends,&#8221; &#8220;plans,&#8221; &#8220;goals,&#8221; &#8220;targets,&#8221; &#8220;initiatives,&#8221; &#8220;potentially,&#8221; &#8220;probably,&#8221; &#8220;projects,&#8221; &#8220;outlook&#8221; or similar expressions or future conditional verbs such as &#8220;may,&#8221; &#8220;will,&#8221; &#8220;should,&#8221; &#8220;would,&#8221; and &#8220;could.&#8221; </p> <p style="font-family:Trebuchet MS;text-align:left;font-size:9pt;margin-bottom:0px;margin-top:12pt">Forward-looking statements are based upon the current beliefs and expectations of management, and on information currently available to management. Our statements speak as of the date hereof, and we do not assume any obligation to update these statements or to update the reasons why actual results could differ from those contained in such statements in light of new information or future events. We caution you, therefore, against relying on any of these forward-looking statements. They are neither statements of historical fact nor guarantees or assurances of future performance. While there is no assurance that any list of risks and uncertainties or risk factors is 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>
<table cellspacing="0" cellpadding="0" border="0" style="font-family:Trebuchet MS;border-collapse:collapse;text-align:left;width:100%;font-size:9pt;margin-bottom:0pt;margin-top:0pt;border:0;">
<tr style="page-break-inside:avoid;">
<td style="width:3%;text-align:left;">&#160;</td>
<td style="width:3%;vertical-align:top;">&#8226;</td>
<td style="font-family:Trebuchet MS;text-align:left;font-size:9pt;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:3%;text-align:left;">&#160;</td>
<td style="width:3%;vertical-align:top;">&#8226;</td>
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<table cellspacing="0" cellpadding="0" border="0" style="font-family:Trebuchet MS;border-collapse:collapse;text-align:left;width:100%;font-size:9pt;margin-bottom:0pt;margin-top:0pt;border:0;">
<tr style="page-break-inside:avoid;">
<td style="width:3%;text-align:left;">&#160;</td>
<td style="width:3%;vertical-align:top;">&#8226;</td>
<td style="font-family:Trebuchet MS;text-align:left;font-size:9pt;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>
<table cellspacing="0" cellpadding="0" border="0" style="font-family:Trebuchet MS;border-collapse:collapse;text-align:left;width:100%;font-size:9pt;margin-bottom:0pt;margin-top:0pt;border:0;">
<tr style="page-break-inside:avoid;">
<td style="width:3%;text-align:left;">&#160;</td>
<td style="width:3%;vertical-align:top;">&#8226;</td>
<td style="font-family:Trebuchet MS;text-align:left;font-size:9pt;margin-bottom:0pt;margin-top:0pt;">The <span style="white-space:nowrap">COVID-19</span> pandemic and its effects on the economic and business environments in which we operate;</td> </tr> </table> <p style="margin-bottom:0px;margin-top:6pt"></p>
<table cellspacing="0" cellpadding="0" border="0" style="font-family:Trebuchet MS;border-collapse:collapse;text-align:left;width:100%;font-size:9pt;margin-bottom:0pt;margin-top:0pt;border:0;">
<tr style="page-break-inside:avoid;">
<td style="width:3%;text-align:left;">&#160;</td>
<td style="width:3%;vertical-align:top;">&#8226;</td>
<td style="font-family:Trebuchet MS;text-align:left;font-size:9pt;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>
<table cellspacing="0" cellpadding="0" border="0" style="font-family:Trebuchet MS;border-collapse:collapse;text-align:left;width:100%;font-size:9pt;margin-bottom:0pt;margin-top:0pt;border:0;">
<tr style="page-break-inside:avoid;">
<td style="width:3%;text-align:left;">&#160;</td>
<td style="width:3%;vertical-align:top;">&#8226;</td>
<td style="font-family:Trebuchet MS;text-align:left;font-size:9pt;margin-bottom:0pt;margin-top:0pt;">Liabilities and business restrictions resulting from litigation and regulatory investigations;</td> </tr> </table> <p style="margin-bottom:0px;margin-top:6pt"></p>
<table cellspacing="0" cellpadding="0" border="0" style="font-family:Trebuchet MS;border-collapse:collapse;text-align:left;width:100%;font-size:9pt;margin-bottom:0pt;margin-top:0pt;border:0;">
<tr style="page-break-inside:avoid;">
<td style="width:3%;text-align:left;">&#160;</td>
<td style="width:3%;vertical-align:top;">&#8226;</td>
<td style="font-family:Trebuchet MS;text-align:left;font-size:9pt;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;border-collapse:collapse;text-align:left;width:100%;font-size:9pt;margin-bottom:0pt;margin-top:0pt;border:0;">
<tr style="page-break-inside:avoid;">
<td style="width:3%;text-align:left;">&#160;</td>
<td style="width:3%;vertical-align:top;">&#8226;</td>
<td style="font-family:Trebuchet MS;text-align:left;font-size:9pt;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;border-collapse:collapse;text-align:left;width:100%;font-size:9pt;margin-bottom:0pt;margin-top:0pt;border:0;">
<tr style="page-break-inside:avoid;">
<td style="width:3%;text-align:left;">&#160;</td>
<td style="width:3%;vertical-align:top;">&#8226;</td>
<td style="font-family:Trebuchet MS;text-align:left;font-size:9pt;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>
<table cellspacing="0" cellpadding="0" border="0" style="font-family:Trebuchet MS;border-collapse:collapse;text-align:left;width:100%;font-size:9pt;margin-bottom:0pt;margin-top:0pt;border:0;">
<tr style="page-break-inside:avoid;">
<td style="width:3%;text-align:left;">&#160;</td>
<td style="width:3%;vertical-align:top;">&#8226;</td>
<td style="font-family:Trebuchet MS;text-align:left;font-size:9pt;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;border-collapse:collapse;text-align:left;width:100%;font-size:9pt;margin-bottom:0pt;margin-top:0pt;border:0;">
<tr style="page-break-inside:avoid;">
<td style="width:3%;text-align:left;">&#160;</td>
<td style="width:3%;vertical-align:top;">&#8226;</td>
<td style="font-family:Trebuchet MS;text-align:left;font-size:9pt;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;</td> </tr> </table> <p style="margin-bottom:0px;margin-top:6pt"></p>
<table cellspacing="0" cellpadding="0" border="0" style="font-family:Trebuchet MS;border-collapse:collapse;text-align:left;width:100%;font-size:9pt;margin-bottom:0pt;margin-top:0pt;border:0;">
<tr style="page-break-inside:avoid;">
<td style="width:3%;text-align:left;">&#160;</td>
<td style="width:3%;vertical-align:top;">&#8226;</td>
<td style="font-family:Trebuchet MS;text-align:left;font-size:9pt;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;border-collapse:collapse;text-align:left;width:100%;font-size:9pt;margin-bottom:0pt;margin-top:0pt;border:0;">
<tr style="page-break-inside:avoid;">
<td style="width:3%;text-align:left;">&#160;</td>
<td style="width:3%;vertical-align:top;">&#8226;</td>
<td style="font-family:Trebuchet MS;text-align:left;font-size:9pt;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:left;font-size:9pt;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. Further, statements about the effects of the <span style="white-space:nowrap">COVID-19</span> pandemic on our business, operations, financial performance and prospects may constitute forward-looking statements and are subject to the risk that the actual impacts may differ, possibly materially, from what is reflected in those forward-looking statements due to factors and future developments that are uncertain, unpredictable and in many cases beyond our control, including the scope and duration of the pandemic, actions taken by governmental authorities in response to the pandemic, and the direct and indirect impact of the pandemic on our customers, third parties and us. </p> <p style="font-family:Trebuchet MS;text-align:left;font-size:9pt;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 </p> <p style="font-family:Trebuchet MS;text-align:justify;font-size:9pt;margin-bottom:0pt;margin-top:0pt">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, 2019. </p> <p style="font-family:Trebuchet MS;text-align:justify;font-size:9pt;margin-bottom:0px;margin-top:12pt">Note: Per share amounts and ratios presented in this document are calculated using whole dollars. </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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<p style="margin-top:1em; margin-bottom:0em; page-break-before:always"> </p>
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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 9.01 &#160;&#160;Financial Statements and Exhibits. </p>
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<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>
<td style="white-space:nowrap;vertical-align:bottom;text-align:center;"> <p style="font-family:Trebuchet MS;font-weight:bold;text-align:center;font-size:8pt;margin-bottom:0pt;margin-top:0pt">Exhibit </p> <p style="font-family:Trebuchet MS;font-weight:bold;text-align:center;font-size:8pt;margin-bottom:0pt;margin-top:0pt;border-bottom:1pt solid #000000;display:inline-block">Number </p> </td>
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<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>
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<td style="height:8px;">&#160;</td>
<td style="height:8px;">&#160;</td>
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<td style="height:8px;">&#160;</td>
<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 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="d917920dex991.htm">Citizens Financial Group, Inc. financial supplement for first quarter 2020 </a> </p> </td> </tr>
<tr style="font-size:1pt;">
<td style="height:8px;">&#160;</td>
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<td style="height:8px;">&#160;</td>
<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-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-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 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> </td> </tr> </table> <div></div> <p style="margin-top:1em;margin-bottom:0em"></p>
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<p style="margin-top:1em; margin-bottom:0em; page-break-before:always"> </p>
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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:left;font-size:10pt;margin-bottom:0pt;margin-top:0pt"> <span style="text-transform:uppercase">CITIZENS FINANCIAL GROUP, Inc.</span> </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:left;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:left;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>
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<td style="vertical-align:top;padding:0;"> <p style="font-family:Trebuchet MS;text-align:left;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:left;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:left;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:left;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:left;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:left;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: April&#160;27, 2020 </p> <div></div> <p style="margin-top:1em;margin-bottom:0em"></p>
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<DOCUMENT>
<TYPE>EX-99.1
<SEQUENCE>2
<FILENAME>d917920dex991.htm
<DESCRIPTION>EX-99.1
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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>First Quarter 2020 </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>
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<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_3910941_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_3910941_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_3910941_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 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_3910941_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_3910941_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 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_3910941_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 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_3910941_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_3910941_8">Credit-Related Information:</A></P></TD>
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<TD VALIGN="bottom"></TD>
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<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_3910941_9">Nonaccrual loans and leases</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; ">14</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_3910941_10">Loans and Leases 90 Days or More Past Due and Accruing</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; ">15</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:10pt; font-family:Trebuchet MS"><A HREF="#ex99_3910941_11">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; ">16</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_3910941_12">Summary of Changes in the Components of the Allowance for Credit
Losses</A></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></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_3910941_13">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; ">19</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_3910941_14">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; ">20</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD></TR>
</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:12pt; margin-bottom:0pt; font-size:10pt; font-family:Trebuchet MS">Footnotes that are denoted by a letter apply to multiple pages and can be found in the appendix. Footnotes that are denoted by a number apply to a particular
page and can be found at the bottom of the page. </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_3910941_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>
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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>1Q20 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>1Q20</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>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="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>1Q19</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></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></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; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">1,657</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</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; ">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; ">$</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; ">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">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; ">1,012</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; ">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; ">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; ">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; ">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; ">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 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; ">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; ">&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; ">(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; ">(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></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; ">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; ">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; ">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; ">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; ">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; ">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: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; ">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; ">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; ">(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; ">&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; ">(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; ">(92</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">A </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; ">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; ">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; ">(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; ">&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; ">(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; ">(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: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; ">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; ">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; ">(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; ">(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; ">(412</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">)&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</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></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">A </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; ">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; ">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; ">(394</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">)&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</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; ">(391</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">)&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</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></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></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; ">0.03</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; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">0.98</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</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; ">($</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">0.95</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">)&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">(97</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">%)&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">($</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">0.89</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; ">(97</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; ">0.03</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; ">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; ">(0.95</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; ">(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; ">(0.89</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; ">(97</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">A </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; ">0.09</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; ">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; ">(0.90</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; ">(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; ">(0.84</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; ">(90</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">A </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; ">0.09</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; ">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; ">(0.90</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; ">(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; ">(0.84</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; ">(90</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; ">0.39</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; ">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; ">0.03</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; ">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; ">0.07</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; ">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: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; ">47.78</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; ">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; ">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; ">&#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; ">3.54</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</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; ">31.97</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; ">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; ">(0.11</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; ">2.37</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; ">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">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; ">1,398</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">%&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</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; ">NM</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; ">NM</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: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">A </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; ">451</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</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; ">NM</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; ">NM</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: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></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; ">427,718,421</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; ">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; ">(6,966,185</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; ">(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; ">(32,994,751</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">)&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</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: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; ">429,388,855</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</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; ">(7,111,974</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; ">(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; ">(33,131,825</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; ">(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 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; ">426,586,533</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; ">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; ">(6,534,550</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">)&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<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; ">(34,530,190</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">)&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</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>
</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="margin-top:1em; margin-bottom:0em; 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="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="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></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 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>
<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>1Q20 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>1Q20</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>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="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>1Q19</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>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></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; ">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; ">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; ">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; ">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; ">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; ">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; ">(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></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 margin, FTE<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; ">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; ">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; ">3.12</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; ">3.21</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; ">3.25</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;bps</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></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 common equity</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">0.24</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; ">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; ">(806</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; ">(838</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">Return on average common equity, Underlying<SUP STYLE="font-size:85%; vertical-align:top">A
</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; ">0.74</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; ">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; ">(762</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; ">(797</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 tangible common equity</P></TD>
<TD VALIGN="bottom">&nbsp;</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; ">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; ">(1,203</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; ">(1,264</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">Return on average tangible common equity, Underlying<SUP STYLE="font-size:85%; vertical-align:top">A
</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; ">1.10</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; ">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; ">(1,139</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; ">(1,202</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 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; ">0.08</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; ">1.08</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; ">(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; ">(103</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">Return on average total assets, Underlying<SUP STYLE="font-size:85%; vertical-align:top">A
</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; ">0.14</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; ">1.09</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; ">(95</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; ">(98</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; ">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; ">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; ">(104</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; ">(107</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">Return on average total tangible assets, Underlying<SUP STYLE="font-size:85%; vertical-align:top">A
</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; ">0.15</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; ">1.14</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; ">(99</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; ">(102</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">Effective income tax rate</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">24.13</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; ">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; ">737</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; ">171</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">Effective income tax rate, Underlying<SUP STYLE="font-size:85%; vertical-align:top">A </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; ">24.52</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; ">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; ">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; ">208</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">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; ">61.10</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; ">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; ">82</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; ">210</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, Underlying<SUP STYLE="font-size:85%; vertical-align:top">A </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; ">59.08</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; ">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; ">106</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</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">Noninterest income as a % of 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; ">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; ">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; ">&#151;</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; ">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:8pt">
<TD VALIGN="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">A
</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; ">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; ">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; ">&#151;</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; ">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:8pt">
<TD VALIGN="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></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; ">9.4</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; ">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"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD 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; ">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; ">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"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD 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; ">12.5</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; ">13.0</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"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD 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; ">9.6</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; ">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"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD 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">Tangible common equity 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; ">8.0</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; ">8.7</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; ">8.9</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; ">9.1</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; ">8.8</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"><B><U>SELECTED BALANCE SHEET 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></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 <FONT STYLE="white-space:nowrap">(period-end</FONT> balances)<SUP STYLE="font-size:85%; vertical-align:top">B </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; ">95.54</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; ">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; ">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; ">94.22</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; ">94.92</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; ">51</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; ">62</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 (average balances)<SUP STYLE="font-size:85%; vertical-align:top">B </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; ">95.60</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; ">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; ">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; ">95.64</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; ">97.70</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; ">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; ">(210</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">Full-time equivalent colleagues</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">17,863</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">17,997</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">18,116</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; ">18,207</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; ">18,078</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; ">&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; ">(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</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>&nbsp;</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="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>


<p style="margin-top:1em; margin-bottom:0em; 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_3910941_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>
<TABLE CELLSPACING="0" CELLPADDING="0" WIDTH="100%" BORDER="0" STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:arial; font-size:7pt" ALIGN="center">


<TR>

<TD WIDTH="59%"></TD>

<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>

<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>

<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>

<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>

<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>

<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>

<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>

<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>

<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></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="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></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 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="14" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><FONT STYLE="font-family:Trebuchet MS; "><B>1Q20 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>1Q20</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>4Q19</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>3Q19</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>2Q19</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>1Q19</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>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>1Q19</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 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: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 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></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 and fees on loans and leases</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">1,302</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</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; ">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; ">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; ">(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:3.00em; text-indent:-1.00em; font-size:7pt; font-family:Trebuchet MS">Interest and fees on 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; ">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; ">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>
<TD NOWRAP VALIGN="bottom"><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</FONT></TD>
<TD NOWRAP VALIGN="bottom"><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; ">(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; ">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; ">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: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 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; ">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; ">5</FONT></TD>
<TD NOWRAP VALIGN="bottom"><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; ">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; ">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; ">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; ">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; ">125</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; ">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; ">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; ">(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; ">(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; ">(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; ">(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">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; ">5</FONT></TD>
<TD NOWRAP VALIGN="bottom"><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; ">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; ">(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; ">(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; ">(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; ">(38</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: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>1,478</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>1,501</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; ">&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; ">(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; ">(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; ">(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></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>
<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: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; ">227</FONT></TD>
<TD NOWRAP VALIGN="bottom"><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; ">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; ">(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; ">(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; ">(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; ">(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">Short-term borrowed funds<SUP STYLE="font-size:85%; vertical-align:top">C</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 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; ">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; ">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></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</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; ">90</FONT></TD>
<TD NOWRAP VALIGN="bottom"><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; ">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; ">(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</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">)&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</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; ">(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"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <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: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>318</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>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; ">&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; ">(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; ">(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; ">(22</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: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>1,160</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>1,143</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; ">&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 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="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: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></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">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; ">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; ">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; ">(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;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</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></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">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; ">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; ">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; ">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; ">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; ">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; ">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">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; ">56</FONT></TD>
<TD NOWRAP VALIGN="bottom"><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; ">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; ">(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; ">(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; ">(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">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; ">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; ">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; ">(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; ">(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; ">(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: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; ">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; ">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; ">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</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</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></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">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; ">24</FONT></TD>
<TD NOWRAP VALIGN="bottom"><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; ">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; ">(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; ">(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; ">(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; ">(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">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; ">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; ">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; ">(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></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">Securities gains, net</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;&nbsp;</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; ">(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; ">(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; ">(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></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 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; ">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; ">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; ">(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; ">(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; ">(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; ">(60</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: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>497</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>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; ">&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; ">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;</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: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>1,657</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>1,637</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; ">&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; ">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; ">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: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; ">600</FONT></TD>
<TD NOWRAP VALIGN="bottom"><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; ">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; ">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; ">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; ">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; ">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: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></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">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; ">549</FONT></TD>
<TD NOWRAP VALIGN="bottom"><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; ">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; ">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; ">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; ">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; ">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">Equipment and software 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; ">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; ">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 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; ">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; ">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">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; ">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; ">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; ">(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; ">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; ">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">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; ">84</FONT></TD>
<TD NOWRAP VALIGN="bottom"><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; ">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; ">(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; ">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="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; ">111</FONT></TD>
<TD NOWRAP VALIGN="bottom"><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; ">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; ">(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;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<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;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <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: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>1,012</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>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; ">&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; ">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; ">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; ">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;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <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: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>45</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>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; ">&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; ">(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; ">(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; ">&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></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">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; ">11</FONT></TD>
<TD NOWRAP VALIGN="bottom"><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; ">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; ">(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; ">(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; ">(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; ">(91</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: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>34</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>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; "><B>450</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; "><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; "><B>$</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; ">($</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">416</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">)&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">(92</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">%)&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">($</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">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; ">(92</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 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, Underlying<SUP STYLE="font-size:85%; vertical-align:top">A </SUP></B></P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; "><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; "><B>59</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; "><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; "><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; "><B>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>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; "><B>443</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; "><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">($</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">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; ">&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; ">($</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; ">(87</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="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>12</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>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; "><B>427</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; "><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; "><B>$</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; ">($</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">415</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">)&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">(97</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">%)&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">($</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">412</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">)&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</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></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 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, Underlying<SUP
STYLE="font-size:85%; vertical-align:top">A </SUP></B></P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; "><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; "><B>37</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; "><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; "><B>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; "><B>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>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; "><B>428</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; "><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">($</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">394</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">)&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</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; ">($</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">391</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">)&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</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></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">5 </P>


<p style="margin-top:1em; margin-bottom:0em; 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_3910941_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">


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

<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>

<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>

<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>

<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>

<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>

<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>

<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></TD>

<TD VALIGN="bottom" WIDTH="2%"></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>MARCH&nbsp;31, 2020 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>Mar&nbsp;31,&nbsp;2020</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;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="6" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><FONT STYLE="font-family:Trebuchet MS; "><B>December&nbsp;31,&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>March&nbsp;31,&nbsp;2019</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; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">1,155</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</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; ">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</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">%)&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</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;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</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></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; ">2,903</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<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; ">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; ">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; ">1,390</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</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></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; ">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; ">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; ">(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</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">)&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</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; ">68</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; ">22,307</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</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; ">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; ">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; ">803</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</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; ">3,071</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</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; ">(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; ">(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; ">(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; ">(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">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; ">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 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; ">(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; ">(76</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; ">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; ">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; ">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; ">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; ">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; ">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: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; ">2,911</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; ">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; ">965</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</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; ">1,725</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; ">145</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; ">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; ">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; ">(1,034</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">)&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</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; ">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; ">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<SUP STYLE="font-size:85%; vertical-align:top">B </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; ">127,528</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; ">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; ">8,440</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; ">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; ">9,913</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</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">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; ">(2,171</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; ">(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; ">(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; ">&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; ">(926</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">)&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</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="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<SUP STYLE="font-size:85%; vertical-align:top">B </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; ">125,357</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; ">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; ">7,521</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; ">&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; ">8,987</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; ">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">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; ">1,968</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</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; ">1,161</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; ">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; ">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; ">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">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; ">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; ">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; ">(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;</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">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; ">1,736</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; ">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; ">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; ">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 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; ">7,050</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</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</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; ">10</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">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 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 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; ">(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; ">(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 assets<SUP STYLE="font-size:85%; vertical-align:top">B </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; ">5,911</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; ">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; ">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</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</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; ">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;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #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>176,719</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>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; "><B>165,733</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; "><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; "><B>$</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; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">10,986</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">7%</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">15,377</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</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;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top: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; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">32,398</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</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; ">3,165</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; ">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; ">4,015</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</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: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; ">101,077</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</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; ">4,997</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</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; ">5,544</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; ">&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;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #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; ">133,475</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; ">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; ">8,162</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; ">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; ">9,559</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</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">Short-term borrowed funds<SUP STYLE="font-size:85%; vertical-align:top">C</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; ">1,059</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">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; ">1,077</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">1,441</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; ">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; ">785</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</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; ">380</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</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></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 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; ">234</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</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; ">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; ">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; ">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</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">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; ">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; ">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; ">(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; ">(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; ">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; ">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: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:</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">FHLB advances</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; ">8,007</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; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">5,008</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">3,007</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; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">2,258</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; ">2,508</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; ">2,999</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</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>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">5,499</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; ">219</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">Senior debt</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; ">6,775</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; ">7,382</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; ">8,143</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; ">7,624</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">7,558</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</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; ">(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; ">(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; ">(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:5.00em; text-indent:-1.00em; font-size:7pt; font-family:Trebuchet MS">Subordinated debt and other debt</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; ">1,655</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">1,657</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">1,656</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; ">1,656</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; ">1,659</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<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; ">(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></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 long-term borrowed funds</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; ">16,437</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; ">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; ">2,390</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</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; ">4,712</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; ">&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: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 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 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; ">(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; ">(100</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;&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">2,782</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; ">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; ">(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; ">(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; ">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; ">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;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #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</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>154,769</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>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; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">11,237</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; ">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; ">14,958</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</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: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 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">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 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; ">1,570</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 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; ">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; ">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">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 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 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">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; ">18,901</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; ">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; ">10</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; ">54</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">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; ">6,011</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; ">6,498</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; ">(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; ">(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; ">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: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; ">(4,623</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; ">(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; ">(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; ">(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; ">(1,290</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">)&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</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: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 income (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; ">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; ">(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; ">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; ">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; ">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; ">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;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #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 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>21,950</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>22,201</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; ">&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; ">(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; ">419</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<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;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #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 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>176,719</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>$</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; "><B>165,733</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; "><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; "><B>$</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; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">10,986</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">7%</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">15,377</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</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;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top: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: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; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">13,639</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</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; ">254</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">)&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<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; ">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; ">&#151;&nbsp;&nbsp;</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">6 </P>


<p style="margin-top:1em; margin-bottom:0em; 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_3910941_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>
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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>MARCH&nbsp;31, 2020 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>Mar&nbsp;31,&nbsp;2020</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;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="6" 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="6" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><FONT STYLE="font-family:Trebuchet MS; "><B>March&nbsp;31,&nbsp;2019</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; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">49,092</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">41,479</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; ">7,613</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; ">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; ">7,595</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; ">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: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; ">14,502</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; ">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; ">980</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</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; ">1,130</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; ">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: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; ">2,438</FONT></TD>
<TD NOWRAP VALIGN="bottom"><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; ">2,537</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; ">(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; ">(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; ">(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; ">(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;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <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; ">66,032</FONT></TD>
<TD NOWRAP VALIGN="bottom"><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; ">57,538</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; ">8,494</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; ">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; ">8,343</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; ">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;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <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<SUP STYLE="font-size:85%; vertical-align:top">B </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; ">18,721</FONT></TD>
<TD NOWRAP VALIGN="bottom"><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; ">19,083</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; ">(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; ">(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; ">(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; ">(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">Home equity<SUP STYLE="font-size:85%; vertical-align:top">D</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; ">12,992</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; ">13,154</FONT></TD>
<TD NOWRAP VALIGN="bottom"><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; ">13,423</FONT></TD>
<TD NOWRAP VALIGN="bottom"><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; ">13,640</FONT></TD>
<TD NOWRAP VALIGN="bottom"><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; ">13,870</FONT></TD>
<TD NOWRAP VALIGN="bottom"><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; ">(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</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">)&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">(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; ">(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: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; ">12,157</FONT></TD>
<TD NOWRAP VALIGN="bottom"><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; ">12,120</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; ">37</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; ">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; ">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">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; ">10,887</FONT></TD>
<TD NOWRAP VALIGN="bottom"><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; ">10,347</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; ">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; ">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; ">1,613</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; ">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">Other retail<SUP STYLE="font-size:85%; vertical-align:top">E</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; ">6,739</FONT></TD>
<TD NOWRAP VALIGN="bottom"><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; ">6,846</FONT></TD>
<TD NOWRAP VALIGN="bottom"><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; ">6,226</FONT></TD>
<TD NOWRAP VALIGN="bottom"><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; ">5,738</FONT></TD>
<TD NOWRAP VALIGN="bottom"><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; ">5,616</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; ">(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; ">(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; ">1,123</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; ">20</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<SUP STYLE="font-size:85%; vertical-align:top">B </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; ">61,496</FONT></TD>
<TD NOWRAP VALIGN="bottom"><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; ">61,550</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; ">(54</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; ">1,570</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; ">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<SUP STYLE="font-size:85%; vertical-align:top">B </SUP></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; ">127,528</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">119,088</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</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; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">8,440</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">7</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">%&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">9,913</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</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;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <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; ">2,911</FONT></TD>
<TD NOWRAP VALIGN="bottom"><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; ">1,946</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; ">965</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</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; ">1,725</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; ">145</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; ">350</FONT></TD>
<TD NOWRAP VALIGN="bottom"><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; ">1,384</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; ">(1,034</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">)&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</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; ">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; ">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<SUP STYLE="font-size:85%; vertical-align:top">B
</SUP></B></P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">130,789</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">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; ">8,371</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; ">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; ">11,922</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</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;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <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; ">32,398</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">29,233</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</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; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">3,165</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">11</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">%&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">4,015</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</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="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; ">25,358</FONT></TD>
<TD NOWRAP VALIGN="bottom"><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; ">24,840</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; ">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; ">&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; ">1,876</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; ">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; ">14,702</FONT></TD>
<TD NOWRAP VALIGN="bottom"><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; ">13,779</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; ">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; ">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; ">1,463</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; ">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: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; ">42,972</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; ">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; ">4,247</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; ">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; ">7,000</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; ">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">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; ">18,045</FONT></TD>
<TD NOWRAP VALIGN="bottom"><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; ">18,736</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; ">(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; ">(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; ">(4,795</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; ">(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;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <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; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">133,475</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">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; ">8,162</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; ">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; ">9,559</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</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;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <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="margin-top:1em; margin-bottom:0em; page-break-before:always">
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 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Trebuchet MS"><B><A NAME="ex99_3910941_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></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">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&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></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 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>1Q20 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>1Q20</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>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="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>1Q19</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 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">Interest-bearing cash and due from banks and deposits in banks</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">1,859</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</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; ">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; ">(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; ">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; ">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 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;&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">25,339</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; ">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; ">34</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; ">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; ">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;&nbsp;</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; ">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; ">(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; ">(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; ">(20</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">Total 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; ">25,343</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; ">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; ">33</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; ">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; ">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 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;&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">27,202</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; ">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; ">(78</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; ">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; ">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;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #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;&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">43,152</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; ">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; ">1,140</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; ">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; ">1,590</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</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">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; ">13,876</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; ">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; ">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; ">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; ">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; ">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">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; ">2,482</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<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; ">(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; ">(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; ">(391</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">)&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</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;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #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;&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">59,510</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; ">&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; ">1,849</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</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; ">1,803</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</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;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #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<SUP STYLE="font-size:85%; vertical-align:top">B </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; ">18,866</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; ">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; ">(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; ">&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; ">(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; ">(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">Home equity<SUP STYLE="font-size:85%; vertical-align:top">D</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; ">13,042</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; ">13,265</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; ">13,501</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; ">13,754</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; ">14,075</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">(223</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">)&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<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; ">(1,033</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">)&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</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">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; ">12,173</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; ">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; ">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; ">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; ">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; ">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">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; ">10,610</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; ">&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; ">722</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</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; ">1,541</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; ">17</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<SUP STYLE="font-size:85%; vertical-align:top">E</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; ">6,854</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; ">6,497</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; ">5,873</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; ">5,699</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; ">5,634</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</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; ">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; ">1,220</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; ">22</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">Total retail loans<SUP STYLE="font-size:85%; vertical-align:top">B </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; ">61,545</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; ">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; ">301</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; ">1,603</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></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">Total loans and leases<SUP STYLE="font-size:85%; vertical-align:top">B </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; ">121,055</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; ">&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; ">2,150</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; ">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; ">3,406</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; ">&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: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; ">1,890</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<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; ">(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; ">(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; ">855</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</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></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;&nbsp;</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; ">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; ">282</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</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; ">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; ">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;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #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<SUP STYLE="font-size:85%; vertical-align:top">B </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; ">150,946</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; ">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; ">2,035</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</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">5,433</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</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;&nbsp;</TD>
<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; ">(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; ">(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; ">(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; ">(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; ">(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: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; ">7,046</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</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; ">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; ">28</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 noninterest-earning assets<SUP STYLE="font-size:85%; vertical-align:top">B </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; ">10,893</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; ">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; ">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; ">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; ">1,766</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; ">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;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #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;&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">167,177</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; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">164,646</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</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; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">2,531</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">2</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">%&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">6,762</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; ">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;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top: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">Checking with interest</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">24,612</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</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; ">1,067</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</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; ">1,625</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; ">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;&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">39,839</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</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; ">1,030</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</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; ">4,630</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; ">&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 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;&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">14,201</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; ">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; ">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; ">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; ">1,575</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; ">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">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; ">18,616</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; ">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; ">(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; ">&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; ">(2,511</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; ">(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;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #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;&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">97,268</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; ">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; ">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; ">&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; ">5,319</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; ">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">Short-term borrowed funds<SUP STYLE="font-size:85%; vertical-align:top">C</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; ">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; ">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; ">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; ">863</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">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; ">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; ">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; ">(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</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">FHLB advances</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; ">5,138</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; ">3,259</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">2,478</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">3,155</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; ">5,694</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; ">1,879</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; ">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; ">(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; ">(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: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">Senior debt</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; ">7,263</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; ">7,914</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; ">8,000</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; ">7,573</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; ">7,391</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</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; ">(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; ">(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; ">(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">Subordinated debt and other debt</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; ">1,656</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; ">1,657</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">1,656</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; ">1,658</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; ">1,651</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</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></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">Total long-term borrowed funds</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; ">14,057</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</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; ">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; ">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; ">(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; ">(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:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #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;&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">14,701</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; ">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; ">1,367</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</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; ">(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; ">(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:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #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;&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">111,969</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; ">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; ">2,911</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; ">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; ">4,586</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</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">Total demand 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; ">29,362</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; ">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; ">(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; ">(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; ">897</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</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: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; ">4,053</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</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; ">234</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</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; ">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; ">&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;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #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;&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">145,384</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; ">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; ">2,579</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; ">&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; ">5,952</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</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;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #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;&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">21,793</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; ">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; ">(48</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; ">810</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</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;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #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;&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">167,177</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; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">164,646</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</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; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">2,531</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">2</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">%&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">6,762</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; ">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;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top: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 loans and leases, including loans held for sale</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">123,744</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</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; ">2,113</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; ">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; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">4,869</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">4</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">%&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:arial; font-size:7pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:7.00em; text-indent:-1.00em; font-size:7pt; font-family:Trebuchet MS">Total deposits (interest-bearing and demand)</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">126,630</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; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">125,652</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</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; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">978</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">1</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">%&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">6,216</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; ">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:7.00em; text-indent:-1.00em; font-size:7pt; font-family:Trebuchet MS">Total average tangible common equity</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">13,484</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">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; ">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; ">(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; ">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; ">2</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">8 </P>


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 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Trebuchet MS"><B><A NAME="ex99_3910941_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="font-size:12pt;margin-top:0pt;margin-bottom:0pt">&nbsp;</P>
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<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></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="6" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><FONT STYLE="font-family:Trebuchet MS; "><B>1Q20</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>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></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></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>
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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>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD 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; ">1.12</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; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">5</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">1.49</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">%&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</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></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></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; ">2.32</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; ">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; ">&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></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></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></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; ">2.32</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; ">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; ">&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></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></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; ">152</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; ">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></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></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; ">3.82</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; ">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; ">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></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; ">3.96</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; ">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; ">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></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; ">2.83</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; ">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; ">2.77</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></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></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; ">3.81</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; ">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; ">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></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></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<SUP STYLE="font-size:85%; vertical-align:top">B </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; ">3.47</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; ">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; ">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></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<SUP STYLE="font-size:85%; vertical-align:top">D</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; ">4.69</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; ">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; ">4.73</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; ">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; ">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; ">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; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">5.28</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; ">180</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</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; ">183</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">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; ">4.34</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; ">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; ">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></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">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; ">5.64</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; ">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; ">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></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<SUP STYLE="font-size:85%; vertical-align:top">E</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; ">7.77</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; ">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; ">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; ">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; ">8.21</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; ">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; ">8.24</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; ">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; ">8.87</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; ">123</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></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<SUP STYLE="font-size:85%; vertical-align:top">B </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; ">4.75</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; ">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; ">4.72</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></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></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<SUP STYLE="font-size:85%; vertical-align:top">B </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; ">4.29</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; ">1,302</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</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></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; ">3.28</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; ">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; ">3.38</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></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; ">4.31</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; ">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; ">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></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></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<SUP STYLE="font-size:85%; vertical-align:top">B </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; ">3.91</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; ">1,478</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</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></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></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; ">0.60</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; ">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; ">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></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; ">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; ">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; ">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></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; ">0.51</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; ">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; ">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></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; ">1.70</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; ">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; ">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></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></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; ">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; ">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; ">1.09</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></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">Short-term borrowed funds<SUP STYLE="font-size:85%; vertical-align:top">C</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; ">0.76</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; ">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; ">1.07</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</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">1.43</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; ">1.81</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; ">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; ">1.37</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></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">FHLB advances</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">1.87</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; ">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; ">1.98</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; ">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; ">1.92</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; ">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; ">2.63</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; ">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; ">2.70</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; ">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">Senior debt</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">2.69</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; ">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; ">3.02</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; ">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; ">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; ">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; ">3.41</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; ">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; ">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; ">65</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">Subordinated debt and other debt</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">4.13</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; ">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; ">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; ">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; ">4.13</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; ">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; ">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; ">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; ">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; ">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"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></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 long-term 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; ">2.56</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; ">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; ">2.91</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></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></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; ">2.48</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; ">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; ">2.84</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></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></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; ">1.14</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; ">318</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<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></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>INTEREST RATE SPREAD</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>2.77</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"></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>2.68</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"></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>2.70</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"></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>2.77</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"></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>2.80</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"></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></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</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>3.09</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>3.04</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></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></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">1
</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>3.10</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; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">1,164</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; "><B>&nbsp;</B></FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; "><B>3.06</B></FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; "><B>%&nbsp;</B></FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</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; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">1,166</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD></TR>
<TR BGCOLOR="#cceeff" STYLE="page-break-inside:avoid ; font-family:arial; font-size:7pt">
<TD VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; margin-left:3.00em; text-indent:-1.00em; font-size:7pt; font-family:Trebuchet MS">Memo: Total deposit costs</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">0.72</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">%&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</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; ">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></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>&nbsp;</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="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>


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 <P STYLE="margin-top:0pt; margin-bottom:0pt; font-size:10pt; font-family:Trebuchet MS"><B><A NAME="ex99_3910941_7"></A>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>
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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></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;&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 COLSPAN="2" 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="14" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><FONT STYLE="font-family:Trebuchet MS; "><B>1Q20 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>1Q20</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>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="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>1Q19</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" 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">Net interest income</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">793</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</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; ">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; ">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></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;&nbsp;</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; ">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; ">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; ">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; ">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; ">45</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:8pt">
<TD VALIGN="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;&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</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; ">&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; ">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; ">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; ">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; ">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">Noninterest 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; ">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; ">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; ">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; ">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; ">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; ">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:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #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;&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">412</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</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; ">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; ">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; ">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; ">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:1.00em; text-indent:-1.00em; font-size:8pt; 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; ">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; ">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 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; ">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; ">45</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:8pt">
<TD VALIGN="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;&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">315</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</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; ">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; ">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; ">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; ">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:1.00em; text-indent:-1.00em; font-size:8pt; 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; ">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; ">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; ">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; ">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; ">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; ">20</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:8pt">
<TD VALIGN="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;&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</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>
<TD VALIGN="bottom">&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; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">27</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">13</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">%&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">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; ">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"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top: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:8pt">
<TD VALIGN="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;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD 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;&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">68,415</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">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; ">346</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<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; ">3,408</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</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">1,B </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; ">65,343</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; ">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; ">186</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; ">3,180</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</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;&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">85,228</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; ">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; ">(249</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; ">2,659</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</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<SUP STYLE="font-size:85%; vertical-align:top">B </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; ">65,393</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; ">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; ">185</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; ">3,177</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; ">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"><B><U>KEY METRICS</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:8pt">
<TD VALIGN="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;&nbsp;</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; ">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; ">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; ">(26</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;&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">64.16</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; ">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; ">(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>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">(346</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)<SUP STYLE="font-size:85%; vertical-align:top">B </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; ">72.94</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; ">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; ">(121</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; ">177</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)<SUP STYLE="font-size:85%; vertical-align:top">B </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; ">74.07</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; ">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; ">70</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;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;&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">1.39</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; ">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; ">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>
<TD VALIGN="bottom">&nbsp;</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;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>&nbsp;</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="margin-top:1em; margin-bottom:0em; 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>

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


<TR>

<TD WIDTH="57%"></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>
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<TD></TD>

<TD VALIGN="bottom" WIDTH="1%"></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>
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<TD></TD>
<TD></TD></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Trebuchet MS; font-size:8pt">
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&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></TR>
<TR STYLE="page-break-inside:avoid ; font-family:Trebuchet MS; 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="14" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>1Q20 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;&nbsp;</TD>
<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>1Q20</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>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="6" 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="6" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><B>1Q19</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;&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></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>MORTGAGE BANKING FEES</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: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">Production revenue</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">136</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">61</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">49</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">31</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">75</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">123</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">105</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:8pt">
<TD VALIGN="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;&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">16</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">9</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">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">3</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></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">MSR valuation changes, net of hedge impact</P></TD>
<TD VALIGN="bottom">&nbsp;&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">4</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">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">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">NM</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</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: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">Total mortgage banking fees</P></TD>
<TD VALIGN="bottom">&nbsp;&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">$</TD>
<TD VALIGN="bottom" ALIGN="right">81</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</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">$</TD>
<TD VALIGN="bottom" ALIGN="right">78</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">96</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">116</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">NM</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</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: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">Gain on sale of secondary originations</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">2.36</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">0.98</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">1.40</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">1.28</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">138</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">108</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="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: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>RESIDENTIAL REAL ESTATE ORIGINATIONS</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: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">Retail</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">2,523</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">3,196</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">2,771</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">2,115</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">1,313</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">($</TD>
<TD VALIGN="bottom" ALIGN="right">673</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">$</TD>
<TD VALIGN="bottom" ALIGN="right">1,210</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">92</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">Third Party</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">4,813</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">5,750</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">5,080</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">3,921</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">2,260</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(937</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">2,553</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">113</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</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: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">Total</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">7,336</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">8,946</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">7,851</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">6,036</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">3,573</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">($</TD>
<TD VALIGN="bottom" ALIGN="right">1,610</TD>
<TD NOWRAP VALIGN="bottom">)&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(18</TD>
<TD NOWRAP VALIGN="bottom">%)&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">3,763</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">105</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</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: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">Originated for sale</P></TD>
<TD VALIGN="bottom">&nbsp;&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">80</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">81</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">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">200</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">Originated for investment</P></TD>
<TD VALIGN="bottom">&nbsp;&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">20</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">19</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">(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">(200</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="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"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD 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:3.00em; text-indent:-1.00em; font-size:8pt; font-family:Trebuchet MS">Total</P></TD>
<TD VALIGN="bottom">&nbsp;&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">100</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">100</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"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD 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;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top: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></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>MORTGAGE SERVICING INFORMATION (UPB)</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: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 serviced for others</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">79,157</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">77,526</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">74,610</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">72,518</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">70,847</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">1,631</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">$</TD>
<TD VALIGN="bottom" ALIGN="right">8,310</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 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">Owned loans serviced</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">21,057</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">20,831</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">19,969</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">19,258</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">18,437</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">226</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">2,620</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></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: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">Total</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">100,214</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">98,357</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">94,579</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">91,776</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">89,284</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">1,857</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">2</TD>
<TD NOWRAP VALIGN="bottom">%&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">10,930</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 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: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>MSR CARRYING VALUE</U><SUP STYLE="font-size:85%; vertical-align:top">1 </SUP></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: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">MSR at fair value</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">577</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">642</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">510</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">531</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">563</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">($</TD>
<TD VALIGN="bottom" ALIGN="right">65</TD>
<TD NOWRAP VALIGN="bottom">)&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&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">14</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="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">MSR at lower of cost or market</P></TD>
<TD VALIGN="bottom">&nbsp;&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">182</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">177</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">189</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">212</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(182</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">(212</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;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #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: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;&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">577</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">824</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">687</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">720</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">$</TD>
<TD VALIGN="bottom" ALIGN="right">775</TD>
<TD NOWRAP VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">($</TD>
<TD VALIGN="bottom" ALIGN="right">247</TD>
<TD NOWRAP VALIGN="bottom">)&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom" ALIGN="right">(30</TD>
<TD NOWRAP VALIGN="bottom">%)&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">($</TD>
<TD VALIGN="bottom" ALIGN="right">198</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 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>
</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>&nbsp;</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 2020, mortgage servicing rights previously accounted for at lower of cost or
market are now accounted for at fair value. </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="margin-top:1em; margin-bottom:0em; 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 VALIGN="bottom" WIDTH="1%"></TD>
<TD></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:arial; font-size:8pt">
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&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></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;&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>1Q20 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>1Q20</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>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="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>1Q19</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" 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">Net interest income</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">365</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">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; ">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; ">($</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></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;&nbsp;</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; ">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; ">(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</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">)&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</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; ">(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"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #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;&nbsp;</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; ">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; ">(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; ">(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; ">(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; ">(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;&nbsp;</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; ">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; ">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; ">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; ">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;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #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;&nbsp;</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; ">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; ">(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; ">(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; ">(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; ">(14</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;&nbsp;</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; ">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; ">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; ">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; ">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; ">105</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:8pt">
<TD VALIGN="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;&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">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; ">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; ">(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; ">(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; ">(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; ">(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:1.00em; text-indent:-1.00em; font-size:8pt; 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; ">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; ">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; ">(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; ">(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; ">(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; ">(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;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #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;&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</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;</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; ">($</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">52</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">)&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">(23</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">%)&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">($</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">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; ">(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;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top: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:8pt">
<TD VALIGN="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;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD 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;&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">59,005</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</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; ">2,598</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; ">&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; ">3,375</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</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;&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">56,555</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; ">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; ">2,032</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; ">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; ">2,119</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</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;&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">33,545</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; ">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; ">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; ">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; ">3,722</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</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:8pt">
<TD VALIGN="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;&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">57,016</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</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; ">2,111</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; ">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; ">2,292</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; ">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;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD 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;&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">2.57</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; ">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; ">(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; ">(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;&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">45.06</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; ">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; ">446</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; ">495</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;&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">164.10</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; ">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; ">(114</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; ">(1,643</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;&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">167.18</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; ">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; ">138</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; ">(1,405</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;&nbsp;</TD>
<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; ">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; ">(41</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; ">(44</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>&nbsp;</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">12 </P>


<p style="margin-top:1em; margin-bottom:0em; 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 &#150; 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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<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="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></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<SUP STYLE="font-size:85%; vertical-align:top">1</SUP> </U></B></FONT></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>
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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>1Q20 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>1Q20</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>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="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>1Q19</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:8pt">
<TD VALIGN="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;&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; ">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; ">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; ">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; ">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; ">100</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;&nbsp;</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; ">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; ">(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; ">(52</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:8pt">
<TD VALIGN="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;&nbsp;</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; ">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; ">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; ">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; ">(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; ">(45</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;&nbsp;</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; ">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; ">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; ">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; ">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; ">89</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:8pt">
<TD VALIGN="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;&nbsp;</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; ">(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; ">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; ">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; ">(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; ">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:8pt">
<TD VALIGN="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;&nbsp;</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; ">(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;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</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; ">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; ">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; ">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; ">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;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #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;&nbsp;</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; ">(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; ">(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; ">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; ">(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; ">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:8pt">
<TD VALIGN="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;&nbsp;</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; ">(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; ">(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; ">(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; ">(180</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">)&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</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; ">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;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #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 (loss) income</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; ">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; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">10</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</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; ">($</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">391</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">)&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">NM</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">($</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">391</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">)&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</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:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top: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:8pt">
<TD VALIGN="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;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD 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;&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">39,757</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">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; ">413</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">)&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<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; ">&#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">Total loans and leases<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; ">1,846</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; ">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; ">(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; ">(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; ">(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; ">(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:1.00em; text-indent:-1.00em; font-size:8pt; 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; ">7,857</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; ">7,460</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; ">397</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</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; ">(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; ">(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">Interest-earning 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; ">28,537</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</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; ">(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; ">(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; ">(36</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>
</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>&nbsp;</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>&nbsp;</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="margin-top:1em; margin-bottom:0em; 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_3910941_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="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>
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<TD></TD>

<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
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<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
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<TD VALIGN="bottom" WIDTH="2%"></TD>
<TD></TD>
<TD></TD>
<TD></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:7pt">
<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>MARCH&nbsp;31,&nbsp;2020&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>Mar&nbsp;31,&nbsp;2020</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;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="6" 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="6" 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></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" 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><A NAME="ex99_3910941_9"></A>%</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>NONACCRUAL LOANS AND LEASES<SUP STYLE="font-size:85%; vertical-align:top">1
</SUP></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; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; "> 305</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</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; ">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; ">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; ">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; ">47</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; ">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; ">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; ">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; ">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; ">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; ">100</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; ">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; ">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 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; ">(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; ">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></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; ">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; ">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; ">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; ">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; ">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; ">48</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">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; ">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; ">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; ">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; ">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; ">(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<SUP STYLE="font-size:85%; vertical-align:top">D</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; ">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; ">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; ">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; ">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; ">288</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</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; ">(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></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">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; ">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; ">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; ">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; ">(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 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">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; ">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; ">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; ">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; ">(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; ">(51</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<SUP STYLE="font-size:85%; vertical-align:top">E</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; ">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; ">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; ">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; ">(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; ">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; ">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></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; ">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; ">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; ">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; ">(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; ">(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></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">Nonaccrual 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; ">780</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</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; ">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; ">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; ">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; ">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></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">Repossessed 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; ">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; ">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; ">(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</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">)&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</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; ">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"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #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">Nonaccrual loans and leases and repossessed 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; "> 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; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; "> 748</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</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; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">76</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">10</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">%&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">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></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>NONACCRUAL LOANS AND LEASES BY PRODUCT<SUP STYLE="font-size:85%; vertical-align:top">3
</SUP></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; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; "> 314</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</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; ">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; ">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; ">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; ">48</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; ">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; ">&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; ">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; ">(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; ">(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></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 nonaccrual loans and leases</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; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; "> 748</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</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; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">76</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">10</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">%&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">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></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 credit losses to loans and leases<SUP STYLE="font-size:85%; vertical-align:top">B
</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; ">1.73</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; ">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; ">1.13</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; ">1.13</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; ">64&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; ">60&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">Allowance for credit losses to nonaccrual 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; ">283.48</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; ">184.31</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; ">177.42</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; ">181.54</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; ">178.68</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"></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; ">NM</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">Nonaccrual loans and leases to loans and leases<SUP STYLE="font-size:85%; vertical-align:top">B
</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; ">0.61</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; ">0.59</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; ">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; ">(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></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">1</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 2020 and upon the adoption of ASU
<FONT STYLE="white-space:nowrap">2016-13,</FONT> <I>Financial Instruments&#151;Credit Losses (Topic 326): Measurement of Credit Losses on Financial Instruments, </I>nonperforming loans and leases are now referred to as nonaccrual loans and leases
and other nonperforming assets are referred to as repossessed assets. </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">2</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, nonaccrual 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>
<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">3</TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:8pt; font-family:Trebuchet MS; " ALIGN="left">Nonaccrual loans and leases by product includes repossessed assets. </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">14 </P>


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 <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 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="18" 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>MARCH&nbsp;31, 2020 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>Mar&nbsp;31,&nbsp;2020</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>Dec&nbsp;31,&nbsp;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>Sept&nbsp;30,&nbsp;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,&nbsp;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>Mar&nbsp;31,&nbsp;2019</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>Dec&nbsp;31,&nbsp;2019</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>Mar&nbsp;31,&nbsp;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>$/bps</B></FONT></TD>
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<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><FONT STYLE="font-family:Trebuchet MS; "><B>%</B></FONT></TD>
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<TD VALIGN="bottom" COLSPAN="2" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><FONT STYLE="font-family:Trebuchet MS; "><B>$/bps</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:8pt; font-family:Trebuchet MS"><B><U><A NAME="ex99_3910941_10"></A>LOANS AND LEASES 90 DAYS OR MORE PAST DUE AND
ACCRUING</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:8pt; font-family:Trebuchet MS">Commercial</P></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; ">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; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">1</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</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; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">1</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
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<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">($</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; ">(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; ">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></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">Leases</P></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; ">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 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="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>
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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>
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<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P 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"></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 commercial loans and leases</P></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</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<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</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<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</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">)&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</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; ">(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: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; ">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; ">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; ">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; ">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</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<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; ">(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; ">(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: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; ">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; ">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</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<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 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 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 retail<SUP STYLE="font-size:85%; vertical-align:top">E</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; ">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; ">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; ">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; ">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; ">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; ">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></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">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; ">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; ">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; ">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; ">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; ">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 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></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"><B>Total loans and leases</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; ">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; ">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; ">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; ">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; ">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; ">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>
<TD VALIGN="bottom">&nbsp;</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:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top: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">15 </P>


<p style="margin-top:1em; margin-bottom:0em; 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="68%"></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>

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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>1Q20 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>1Q20</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="6" 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="6" 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" 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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<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_3910941_11"></A>CHARGE-OFFS, RECOVERIES AND RELATED RATIOS</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><U>GROSS CHARGE-OFFS</U></B></P></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: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; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">47</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</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;&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">20</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</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;&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">3</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</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; ">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; ">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; ">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: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 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;&nbsp;</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 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; ">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; ">(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; ">(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; ">(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; ">(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: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 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;&nbsp;</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;&nbsp;</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; ">(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; ">(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;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <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"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <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"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P 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"></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 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; ">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; ">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; ">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;&nbsp;</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; ">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; ">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; ">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; ">81</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">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; ">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</FONT></TD>
<TD NOWRAP VALIGN="bottom"><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; ">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;</TD>
<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></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<SUP STYLE="font-size:85%; vertical-align:top">D</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; ">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;&nbsp;</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; ">11</FONT></TD>
<TD NOWRAP VALIGN="bottom"><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; ">(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; ">(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; ">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: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; ">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; ">38</FONT></TD>
<TD NOWRAP VALIGN="bottom"><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; ">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; ">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; ">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></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; ">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; ">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; ">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>
<TD VALIGN="bottom">&nbsp;&nbsp;</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</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">)&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</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; ">13</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 retail<SUP STYLE="font-size:85%; vertical-align:top">E</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; ">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; ">58</FONT></TD>
<TD NOWRAP VALIGN="bottom"><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</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</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; ">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; ">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; ">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; ">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;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <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"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #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 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; ">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; ">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; ">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;&nbsp;</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; ">(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; ">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; ">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;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <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"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <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"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #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"><B>Total gross charge-offs</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; ">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; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">162</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</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; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">156</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</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; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">12</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">7</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">%&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">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; ">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"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <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"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <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"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top: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>
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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"></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>GROSS RECOVERIES</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;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD 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;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD 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;&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">3</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</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; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">3</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">12</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">2</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">($</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; ">(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; ">$</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></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 real estate</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 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 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;&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 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: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 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;&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;&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 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;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <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"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <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"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #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 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; ">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; ">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; ">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;&nbsp;</TD>
<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; ">(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; ">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></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">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; ">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;&nbsp;</TD>
<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</FONT></TD>
<TD NOWRAP VALIGN="bottom"><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; ">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 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; ">(80</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<SUP STYLE="font-size:85%; vertical-align:top">D</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; ">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;&nbsp;</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; ">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; ">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; ">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;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</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></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</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</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;&nbsp;</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; ">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; ">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; ">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; ">(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 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; ">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;&nbsp;</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;&nbsp;</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 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 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 retail<SUP STYLE="font-size:85%; vertical-align:top">E</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; ">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; ">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; ">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</FONT></TD>
<TD NOWRAP VALIGN="bottom"><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; ">(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>
<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;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <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"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <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"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #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 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; ">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; ">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; ">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;&nbsp;</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; ">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; ">(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; ">(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;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <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"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <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"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #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"><B>Total gross recoveries</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; ">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; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">40</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</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; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">50</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</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; ">($</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">3</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">)&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">(8</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">%)&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">($</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; ">(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:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <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"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <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"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top: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:8pt">
<TD VALIGN="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>NET CHARGE-OFFS (RECOVERIES)</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;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD 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;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD 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;&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; ">17</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">17</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">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; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">1</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">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; ">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; ">$</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; ">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: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 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;&nbsp;</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 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; ">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; ">(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; ">(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; ">(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; ">(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: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 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;&nbsp;</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;&nbsp;</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; ">(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; ">(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;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <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"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <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"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #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 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; ">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; ">27</FONT></TD>
<TD NOWRAP VALIGN="bottom"><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; ">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; ">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; ">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; ">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; ">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; ">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; ">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: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 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;&nbsp;</TD>
<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;&nbsp;</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; ">(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; ">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="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<SUP STYLE="font-size:85%; vertical-align:top">D</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; ">(3</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;&nbsp;</TD>
<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;&nbsp;</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; ">(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>
<TD VALIGN="bottom">&nbsp;</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; ">70</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; ">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;&nbsp;</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; ">14</FONT></TD>
<TD NOWRAP VALIGN="bottom"><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</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; ">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></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; ">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;&nbsp;</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;&nbsp;</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; ">(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</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</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 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 retail<SUP STYLE="font-size:85%; vertical-align:top">E</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; ">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; ">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; ">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; ">44</FONT></TD>
<TD NOWRAP VALIGN="bottom"><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;</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; ">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; ">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; ">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;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <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"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <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"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #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 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; ">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; ">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; ">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; ">73</FONT></TD>
<TD NOWRAP VALIGN="bottom"><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; ">(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; ">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</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;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <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"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #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"><B>Total net charge-offs</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; ">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; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">122</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</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; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">106</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">89</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">15</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">12</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">%&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">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; ">54</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;&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <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"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top: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">16 </P>


<p style="margin-top:1em; margin-bottom:0em; 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">


<TR>

<TD WIDTH="49%"></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">&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></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>1Q20 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>1Q20</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>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="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>1Q19</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" 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>ANNUALIZED NET <FONT STYLE="white-space:nowrap">CHARGE-OFF</FONT> (RECOVERY)
RATES</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; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">0.41</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; ">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; ">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>
<TD VALIGN="bottom">&nbsp;</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&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 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; ">0.26</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; ">(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; ">(62)&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; ">0.07</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; ">0.19</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 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; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">(35)&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; ">0.30</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; ">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; ">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; ">13&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">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; ">0.01</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; ">0.02</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; ">(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; ">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:3.00em; text-indent:-1.00em; font-size:8pt; font-family:Trebuchet MS">Home equity<SUP STYLE="font-size:85%; vertical-align:top">D</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; ">(0.10</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; ">0.02</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; ">(0.04</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; ">0.01</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; ">(0.26</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; ">(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; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">16&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">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; ">0.88</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; ">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; ">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></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">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; ">0.55</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; ">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; ">(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; ">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:3.00em; text-indent:-1.00em; font-size:8pt; font-family:Trebuchet MS">Other retail<SUP STYLE="font-size:85%; vertical-align:top">E</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; ">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; ">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; ">3.08</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; ">3.11</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; ">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; ">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; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">15&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; ">0.61</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; ">&#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; ">17&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; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">0.46</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; ">0.41</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; ">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; ">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; ">0.31</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; ">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; ">15&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></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; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">43,152</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">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; ">1,140</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; ">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; ">1,590</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</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: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; ">13,876</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; ">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; ">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; ">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; ">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; ">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">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; ">2,482</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<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; ">(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; ">(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; ">(391</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">)&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</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></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; ">59,510</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; ">&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; ">1,849</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</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; ">1,803</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</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: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; ">18,866</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; ">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; ">(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; ">&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; ">(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; ">(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<SUP STYLE="font-size:85%; vertical-align:top">D</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; ">13,042</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; ">13,265</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; ">13,501</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; ">13,754</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; ">14,075</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">(223</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">)&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<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; ">(1,033</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">)&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</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">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; ">12,173</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; ">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; ">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; ">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; ">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; ">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">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; ">10,610</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; ">&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; ">722</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</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; ">1,541</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; ">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">Other retail<SUP STYLE="font-size:85%; vertical-align:top">E</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; ">6,854</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; ">6,497</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; ">5,873</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; ">5,699</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; ">5,634</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</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; ">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; ">1,220</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; ">22</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; ">61,545</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; ">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; ">301</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; ">1,603</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></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"><B>Total loans and leases</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; ">121,055</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; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">118,905</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</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; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">117,783</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</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; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">2,150</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">2</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">%&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">3,406</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; ">&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></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="margin-top:1em; margin-bottom:0em; 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="63%"></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>
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<TD VALIGN="bottom" WIDTH="1%"></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: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></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>1Q20 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>1Q20</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>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="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>1Q19</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></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_3910941_12"></A>SUMMARY OF CHANGES IN THE COMPONENTS OF THE ALLOWANCE FOR CREDIT
LOSSES</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: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; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">1,252</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</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></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">Cumulative effect of change in accounting principle:</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; ">&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 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; ">(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; ">(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; ">(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; ">(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: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; ">629</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; ">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; ">&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; ">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; ">&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 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 cumulative effect of change in accounting principle</P></TD>
<TD VALIGN="bottom">&nbsp;</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 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; ">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; ">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; ">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; ">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:1.00em; text-indent:-1.00em; font-size:8pt; font-family:Trebuchet MS"><B>Allowance for loan and lease losses - beginning, adjusted</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; ">1,705</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; ">1,263</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; ">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; ">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; ">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; ">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:8pt">
<TD VALIGN="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>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD 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; ">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; ">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; ">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; ">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; ">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; ">81</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; ">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; ">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; ">(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; ">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; ">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;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #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 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; ">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; ">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; ">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; ">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; ">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; ">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></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">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></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; ">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; ">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; ">(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; ">(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; ">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></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; ">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; ">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; ">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; ">(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; ">(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;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #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 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; ">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</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</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; ">(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; ">(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; ">(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></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">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; ">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; ">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; ">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; ">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; ">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; ">54</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">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></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; ">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; ">(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; ">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; ">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; ">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; ">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">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; ">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; ">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; ">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; ">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; ">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; ">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></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 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; ">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; ">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; ">492</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</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; ">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; ">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></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>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; ">2,171</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; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">1,252</FONT></TD>
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<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">73</FONT></TD>
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<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">926</FONT></TD>
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<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">74</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:8pt; font-family:Trebuchet MS"><B>Reserve for unfunded lending commitments - beginning</B></P></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" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">45</FONT></TD>
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<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; ">84</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">Cumulative effect of change in accounting principle</P></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; ">(100</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="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; ">(3</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; ">(200</FONT></TD>
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<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">4</FONT></TD>
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<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">57</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>
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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; ">39</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" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">45</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>
<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>Total allowance for credit losses - ending</B></P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">2,210</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</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; ">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; ">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; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">881</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</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:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top: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>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></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; ">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; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">718</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</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; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">72</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">10</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">%&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">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;</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; ">1,420</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; ">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; ">842</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</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; ">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; ">156</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: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; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">2,210</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</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; ">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; ">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; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">881</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</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:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top: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">18 </P>


<p style="margin-top:1em; margin-bottom:0em; 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_3910941_13"></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>MARCH&nbsp;31, 2020 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>Mar&nbsp;31,&nbsp;2020</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>Dec&nbsp;31,&nbsp;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>Sept&nbsp;30,&nbsp;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,&nbsp;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>Mar&nbsp;31,&nbsp;2019</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>Dec&nbsp;31,&nbsp;2019</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>Mar 31, 2019</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:8pt; font-family:Trebuchet MS"><B><U>CAPITAL RATIOS AND COMPONENTS (PRELIMINARY)</U></B></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">CET1 capital</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">14,007</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">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; ">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; ">(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; ">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; ">(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">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; ">15,577</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</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; ">(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; ">(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 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">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; ">18,592</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</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; ">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; ">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; ">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: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; ">148,946</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; ">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; ">6,031</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</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; ">11,700</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; ">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">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; ">161,715</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; ">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; ">2,933</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; ">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; ">6,544</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; ">&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">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; ">9.4</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; ">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"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD 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; ">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; ">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"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD 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; ">12.5</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; ">13.0</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"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD 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; ">9.6</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; ">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"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD 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></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; ">20,380</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&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; ">($</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">251</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">)&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">(1</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">%)&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">($</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; ">&#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: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; ">7,050</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</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</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; ">10</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">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; ">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; ">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; ">(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; ">(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: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; ">375</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</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; ">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; ">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></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">Total tangible common equity</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">13,639</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</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; ">254</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">)&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<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; ">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; ">&#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></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></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; ">20,223</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&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; ">($</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">177</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">)&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">(1</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">%)&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">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; ">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">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; ">7,046</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</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; ">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; ">28</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">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; ">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; ">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; ">(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; ">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; ">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: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; ">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; ">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; ">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</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">Total tangible common equity</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">13,484</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">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; ">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; ">(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; ">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; ">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></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></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; ">7,050</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&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; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">6</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">&#151;&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">%&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">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; ">&#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: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; ">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; ">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; ">(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; ">(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></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 intangible assets</P></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">7,116</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</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>
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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>&nbsp;</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>&nbsp;</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">19 </P>


<p style="margin-top:1em; margin-bottom:0em; 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_3910941_14"></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>
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<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>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Trebuchet MS; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<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">Return on average tangible common equity (ROTCE); </P></TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Trebuchet MS; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<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">Efficiency ratio; </P></TD></TR></TABLE>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Trebuchet MS; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<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>
<TABLE STYLE="BORDER-COLLAPSE:COLLAPSE; font-family:Trebuchet MS; font-size:10pt" BORDER="0" CELLPADDING="0" CELLSPACING="0" WIDTH="100%">
<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">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. 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">20 </P>


<p style="margin-top:1em; margin-bottom:0em; 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:8pt" 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;&nbsp;</TD>
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<TD VALIGN="bottom">&nbsp;&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></TR>
<TR STYLE="page-break-inside:avoid ; font-family:arial; font-size:7pt">
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&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>1Q20 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 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>1Q20</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>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="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>1Q19</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 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 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" 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>
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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>
<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>Noninterest 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>
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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>
<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>
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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">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; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">497</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">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; ">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; ">69</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="top" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">16</FONT></TD>
<TD NOWRAP VALIGN="top"><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 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 NOWRAP VALIGN="top"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="top" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">&#151;&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="top"><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></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; ">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; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">494</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</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; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">3</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">1</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">%&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">69</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="top" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">16</FONT></TD>
<TD NOWRAP VALIGN="top"><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></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></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; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">1,657</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</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; ">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; ">$</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="top"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="top" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">4</FONT></TD>
<TD NOWRAP VALIGN="top"><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 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 NOWRAP VALIGN="top"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="top" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">&#151;&nbsp;&nbsp;</FONT></TD>
<TD NOWRAP VALIGN="top"><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></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; ">1,657</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&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; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">20</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">1</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">%&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</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="top"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="top" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">4</FONT></TD>
<TD NOWRAP VALIGN="top"><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></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></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"><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; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">1,012</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">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; ">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; ">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; ">75</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="top" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">8</FONT></TD>
<TD NOWRAP VALIGN="top"><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; ">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; ">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; ">(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; ">28</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="top" ALIGN="center"><FONT STYLE="font-family:Trebuchet MS; ">NM</FONT></TD>
<TD NOWRAP VALIGN="top"><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></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; ">979</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&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; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">30</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">3</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">%&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</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="top"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="top" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">5</FONT></TD>
<TD NOWRAP VALIGN="top"><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></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></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; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">1,657</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</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; ">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; ">$</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="top"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="top" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">4</FONT></TD>
<TD NOWRAP VALIGN="top"><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; ">1,012</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; ">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; ">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; ">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; ">75</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="top" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">8</FONT></TD>
<TD NOWRAP VALIGN="top"><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></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; ">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; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">651</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</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; ">($</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">6</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">)&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">(1</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">%)&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">($</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="top"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="top" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">(1</FONT></TD>
<TD NOWRAP VALIGN="top"><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></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></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; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">1,657</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</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; ">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; ">$</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="top"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="top" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">4</FONT></TD>
<TD NOWRAP VALIGN="top"><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; ">979</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</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; ">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</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</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="top"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="top" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">5</FONT></TD>
<TD NOWRAP VALIGN="top"><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></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; ">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; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">688</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</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; ">($</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">10</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">)&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">(1</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">%)&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">22</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="top" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">3</FONT></TD>
<TD NOWRAP VALIGN="top"><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></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></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; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">45</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">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; ">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; ">(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; ">521</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">)&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="top" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">(92</FONT></TD>
<TD NOWRAP VALIGN="top"><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: Expense before income tax 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; ">(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; ">(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; ">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; ">(28</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">)&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="top" ALIGN="center"><FONT STYLE="font-family:Trebuchet MS; ">NM</FONT></TD>
<TD NOWRAP VALIGN="top"><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></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; ">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; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">578</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</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; ">($</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">500</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">)&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">(87</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">%)&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">($</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="top"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="top" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">(86</FONT></TD>
<TD NOWRAP VALIGN="top"><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></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>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></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>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD 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 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; ">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; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">11</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">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; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">127</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">($</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; ">&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; ">($</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="top"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="top" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">(91</FONT></TD>
<TD NOWRAP VALIGN="top"><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 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; ">(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; ">(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; ">(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;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<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; ">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</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">)&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="top" ALIGN="center"><FONT STYLE="font-family:Trebuchet MS; ">NM</FONT></TD>
<TD NOWRAP VALIGN="top"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD></TR>
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<TD VALIGN="bottom"></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>
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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"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></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"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #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 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; ">J</FONT></TD>
<TD NOWRAP VALIGN="bottom"><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; ">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; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">124</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</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; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">129</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</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; ">($</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">105</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">)&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">(85</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">%)&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">($</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="top"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="top" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">(85</FONT></TD>
<TD NOWRAP VALIGN="top"><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></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>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD 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; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">34</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">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; ">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; ">&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; ">($</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">405</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">)&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="top" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">(92</FONT></TD>
<TD NOWRAP VALIGN="top"><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 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; ">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; ">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; ">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; ">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="top"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="top" ALIGN="center"><FONT STYLE="font-family:Trebuchet MS; ">NM</FONT></TD>
<TD NOWRAP VALIGN="top"><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></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; ">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; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">454</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</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; ">($</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">395</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">)&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">(87</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">%)&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">($</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="top"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="top" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">(87</FONT></TD>
<TD NOWRAP VALIGN="top"><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></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></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; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">12</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">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; ">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; ">(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; ">412</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">)&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="top"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="top" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">(97</FONT></TD>
<TD NOWRAP VALIGN="top"><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 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; ">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; ">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; ">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; ">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="top"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="top" ALIGN="center"><FONT STYLE="font-family:Trebuchet MS; ">NM</FONT></TD>
<TD NOWRAP VALIGN="top"><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></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; ">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; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">431</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</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; ">($</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">394</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">)&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">(91</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">%)&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">($</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">391</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">)&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</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></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></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="margin-top:1em; margin-bottom:0em; 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:8pt" ALIGN="center">


<TR>

<TD WIDTH="45%"></TD>

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

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<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>
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<TD></TD>

<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD></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>
<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: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="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></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="14" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><FONT STYLE="font-family:Trebuchet MS; "><B>1Q20 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>1Q20</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>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="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>1Q19</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></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>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></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; ">C</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">1,657</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</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; ">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; ">1.30</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; ">$</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; ">4.35</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;</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; ">1,012</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; ">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; ">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; ">2.68</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; ">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; ">8.06</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></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">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; ">(1.38</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"><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></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></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>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></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;</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; ">1,657</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&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; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">20</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">1.30</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">%&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</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; ">4.35</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;</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; ">979</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</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; ">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; ">3.16</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; ">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; ">5.09</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></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">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; ">(1.86</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>
<TD VALIGN="bottom">&nbsp;</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></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></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>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></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">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; ">61.10</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; ">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; ">82&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; ">210&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">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; ">59.08</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; ">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; ">106&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; ">41&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:1.00em; text-indent:-1.00em; font-size:8pt; 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></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 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; ">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; ">&#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; ">300&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:1.00em; text-indent:-1.00em; font-size:8pt; 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; ">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; ">&#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; ">300&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>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></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">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; ">24.13</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; ">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; ">737&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; ">171&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">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; ">24.52</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; ">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; ">300&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; ">208&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:1.00em; text-indent:-1.00em; font-size:8pt; 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></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">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; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">20,223</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</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; ">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; ">(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; ">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; ">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">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; ">0.24</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; ">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; ">(806)&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; ">(838)&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">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; ">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; ">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; ">(762)&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; ">(797)&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:1.00em; text-indent:-1.00em; font-size:8pt; 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></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">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; ">20,223</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&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; ">($</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">177</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">)&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">(1</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">%)&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">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; ">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">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; ">7,046</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</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; ">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; ">28</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:8pt">
<TD VALIGN="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 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; ">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; ">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; ">(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; ">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; ">14</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">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; ">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; ">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; ">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; ">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</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></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">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; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">13,484</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">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; ">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; ">(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; ">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; ">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:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top: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:8pt">
<TD VALIGN="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" 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; ">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; ">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; ">(1,203)&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; ">(1,264)&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">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; ">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; ">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; ">(1,139)&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; ">(1,202)&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:1.00em; text-indent:-1.00em; font-size:8pt; 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></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">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; ">167,177</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; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">164,646</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</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; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">2,531</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">2</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">%&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">6,762</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; ">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">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; ">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; ">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; ">(100)&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; ">(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:1.00em; text-indent:-1.00em; font-size:8pt; 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; ">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; ">&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; ">(95)&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; ">(98)&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>
</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">22 </P>


<p style="margin-top:1em; margin-bottom:0em; 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="52%"></TD>

<TD VALIGN="bottom" WIDTH="1%"></TD>
<TD WIDTH="3%"></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">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&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></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">&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>1Q20 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">&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>1Q20</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>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="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>1Q19</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">&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: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;&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></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;&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; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">167,177</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</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; ">2,531</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; ">&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; ">6,762</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; ">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">Less: Average goodwill (GAAP)</P></TD>
<TD VALIGN="bottom">&nbsp;&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; ">7,046</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</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; ">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; ">28</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: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;&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; ">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; ">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; ">(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; ">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; ">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">Add: Average deferred tax liabilities related to goodwill (GAAP)</P></TD>
<TD VALIGN="bottom">&nbsp;&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; ">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; ">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; ">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</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">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #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;&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; ">160,438</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; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">157,906</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</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; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">2,532</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">2</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">%&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">6,732</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; ">&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"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top: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: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;&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; ">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; ">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; ">(104)&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; ">(107)&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: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;&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; ">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; ">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; ">(99)&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; ">(102)&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: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;&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></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;&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; ">426,586,533</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; ">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; ">(6,534,550</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">)&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<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; ">(34,530,190</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">)&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</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;&nbsp;</TD>
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">20,380</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</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; ">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</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">)&nbsp;</FONT></TD>
<TD VALIGN="bottom">&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 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: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;&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; ">7,050</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</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</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; ">10</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: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;&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; ">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; ">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; ">(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; ">(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: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;&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; ">375</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</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; ">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; ">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></TR>
<TR STYLE="font-size:1px; ">
<TD VALIGN="bottom"></TD>
<TD VALIGN="bottom">&nbsp;&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></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;&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; ">13,639</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&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; ">($</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">254</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">)&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">(2</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">%)&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">($</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">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; ">&#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"></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top: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: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;&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; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">31.97</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">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; ">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;</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">%&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">2.37</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; ">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"><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;&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></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;&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; ">427,718,421</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; ">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; ">(6,966,185</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; ">(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; ">(32,994,751</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">)&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</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">Average common shares outstanding - diluted (GAAP)</P></TD>
<TD VALIGN="bottom">&nbsp;&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; ">429,388,855</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</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; ">(7,111,974</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; ">(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; ">(33,131,825</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; ">(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">Net income per average common share - basic (GAAP)</P></TD>
<TD VALIGN="bottom">&nbsp;&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; ">0.03</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; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">0.98</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</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; ">($</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">0.95</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">)&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">(97</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">)&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">($</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">0.89</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; ">(97</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;&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; ">0.03</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; ">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; ">(0.95</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; ">(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; ">(0.89</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; ">(97</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;&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; ">0.09</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; ">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; ">(0.90</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; ">(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; ">(0.84</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; ">(90</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
<FONT STYLE="white-space:nowrap">(non-GAAP)</FONT></P></TD>
<TD VALIGN="bottom">&nbsp;&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; ">0.09</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; ">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; ">(0.90</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; ">(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; ">(0.84</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; ">(90</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;&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></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;&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; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">0.39</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</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; ">0.03</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; ">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; ">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; ">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: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;&nbsp;</TD>
<TD VALIGN="bottom" 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; ">1,398</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">%&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</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; ">NM</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; ">NM</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: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;&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; ">451</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</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; ">NM</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; ">NM</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="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="margin-top:1em; margin-bottom:0em; 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:8pt" ALIGN="center">


<TR>

<TD WIDTH="68%"></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>
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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:7pt">
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;&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></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 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="14" ALIGN="center" STYLE="border-bottom:1.00pt solid #000000"><FONT STYLE="font-family:Trebuchet MS; "><B>1Q20 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>1Q20</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>4Q19</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>3Q19</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>2Q19</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>1Q19</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>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>1Q19</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 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:8pt">
<TD VALIGN="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;&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:1.00em; text-indent:-1.00em; font-size:8pt; font-family:Trebuchet MS">Salaries and employee benefits (GAAP)</P></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">549</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">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; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">508</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</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; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">509</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</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; ">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; ">$</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; ">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">Less: Notable items</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>
<TD VALIGN="bottom">&nbsp;&nbsp;</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; ">5</FONT></TD>
<TD NOWRAP VALIGN="bottom"><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;&nbsp;</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; ">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; ">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; ">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 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">Salaries and employee benefits, 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; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">539</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</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;&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">503</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</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; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">508</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</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; ">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; ">$</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></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 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>Equipment and software 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;&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:1.00em; text-indent:-1.00em; font-size:8pt; font-family:Trebuchet MS">Equipment and software expense (GAAP)</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; ">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; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">133</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</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; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">126</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</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 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; ">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; ">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"><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; ">3</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 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 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;</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; ">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></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: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;&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">132</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</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; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">130</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</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; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">125</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</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; ">$</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; ">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:3.00px double #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <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 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>Outside services, 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;&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:1.00em; text-indent:-1.00em; font-size:8pt; font-family:Trebuchet MS">Outside services (GAAP)</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; ">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; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">142</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</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; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">118</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</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; ">($</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">7</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">)&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">(5</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">%)&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</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; ">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:8pt">
<TD VALIGN="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"><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; ">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; ">14</FONT></TD>
<TD NOWRAP VALIGN="bottom"><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; ">5</FONT></TD>
<TD NOWRAP VALIGN="bottom"><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; ">(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>
<TD VALIGN="bottom">&nbsp;</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; ">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 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">Outside services, 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; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">117</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</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;&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">114</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">113</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">106</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">($</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; ">$</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></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 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>Occupancy, 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;&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:1.00em; text-indent:-1.00em; font-size:8pt; font-family:Trebuchet MS">Occupancy (GAAP)</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; ">84</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">88</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</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; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">82</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</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; ">($</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">4</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">)&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">(5</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">%)&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</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 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"><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 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 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 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; ">(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>
<TD VALIGN="bottom">&nbsp;</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; ">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"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <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: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;&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">80</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</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;&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">80</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</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;&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">83</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;&nbsp;</TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</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</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">)&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</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>
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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"> <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>&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>
<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">24 </P>


<p style="margin-top:1em; margin-bottom:0em; 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="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:7pt" ALIGN="center">


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<TR STYLE="page-break-inside:avoid ; font-family:arial; font-size:7pt">
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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>FIRST QUARTER 2020</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 2019</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>THIRD QUARTER 2019</B></FONT></TD>
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<TR STYLE="page-break-inside:avoid ; font-family:arial; font-size:7pt">
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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>
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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>
<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>
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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>
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<TD VALIGN="bottom">&nbsp;</TD>
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<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>
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<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></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)</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; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">236</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">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; ">($</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">381</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">)&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</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; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">209</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</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></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; ">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; ">22</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; ">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></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>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></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; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">236</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">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; ">($</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">403</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">)&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</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; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">209</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</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></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; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">68,415</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">59,005</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">39,757</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">167,177</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; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">68,069</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</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></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; ">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; ">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; ">7,046</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</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></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 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; ">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; ">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; ">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; ">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; ">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></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; ">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; ">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; ">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></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; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">68,251</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">58,952</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">33,235</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">160,438</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; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">67,885</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</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></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; ">1.39</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; ">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; ">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; ">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; ">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></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; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">738</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</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; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">53</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">1,012</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; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">718</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</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></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; ">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; ">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; ">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; ">1,160</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; ">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></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; ">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; ">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; ">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; ">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; ">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></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; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">1,150</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</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; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">17</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">1,657</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&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></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">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; ">64.16</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; ">45.06</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; ">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; ">61.10</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; ">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></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 WIDTH="1%"></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">&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>SECOND 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>FIRST 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>
<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; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">213</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</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>
<TD VALIGN="bottom">&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></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; ">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>
<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">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></TD>
<TD>&nbsp;</TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; border-top:1.00px solid #000000">&nbsp;</P></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; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">213</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</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>
<TD VALIGN="bottom">&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></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; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">65,485</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</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>
<TD VALIGN="bottom">&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></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; ">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>
<TD VALIGN="bottom">&nbsp;</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></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 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; ">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>
<TD VALIGN="bottom">&nbsp;</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></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; ">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>
<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></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:3.00em; 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; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">65,293</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</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>
<TD VALIGN="bottom">&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></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">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; ">1.31</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>
<TD VALIGN="bottom">&nbsp;</TD>
<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></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; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">715</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</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>
<TD VALIGN="bottom">&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></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; ">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>
<TD VALIGN="bottom">&nbsp;</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></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; ">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>
<TD VALIGN="bottom">&nbsp;</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></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; ">$</FONT></TD>
<TD VALIGN="bottom" ALIGN="right"><FONT STYLE="font-family:Trebuchet MS; ">1,076</FONT></TD>
<TD NOWRAP VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">&nbsp;</FONT></TD>
<TD VALIGN="bottom">&nbsp;</TD>
<TD VALIGN="bottom"><FONT STYLE="font-family:Trebuchet MS; ">$</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>
<TD VALIGN="bottom">&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></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; ">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>
<TD VALIGN="bottom">&nbsp;</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></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="margin-top:1em; margin-bottom:0em; 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>Appendix </B></P> <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="2%" VALIGN="top" ALIGN="left"><SUP STYLE="font-size:85%; vertical-align:top">A</SUP>&nbsp;</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; </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">B</SUP>&nbsp;</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 2020, 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 have been reclassified from loans and leases to other assets. </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">C</SUP>&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:8pt; font-family:Trebuchet MS; " ALIGN="left">In the first quarter of 2020, we reclassified federal funds purchased and securities sold under agreement to
repurchase and other short-term borrowed funds to short-term borrowed funds. 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="2%" VALIGN="top" ALIGN="left"><SUP STYLE="font-size:85%; vertical-align:top">D</SUP>&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:8pt; font-family:Trebuchet MS; " ALIGN="left">In the first quarter of 2020, home equity loans, home equity lines of credit, home equity loans serviced by others
and home equity lines of credit serviced by others are included in home equity. Prior periods have been adjusted to conform with 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="2%" VALIGN="top" ALIGN="left"><SUP STYLE="font-size:85%; vertical-align:top">E</SUP>&nbsp;</TD>
<TD ALIGN="left" VALIGN="top"> <P STYLE=" margin-top:0pt ; margin-bottom:0pt; font-size:8pt; font-family:Trebuchet MS; " ALIGN="left">In the first quarter of 2020, credit card and other retail are included in other retail. Prior periods have been
adjusted to conform with current period presentation. </P></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:10pt" ALIGN="center">


<TR>

<TD WIDTH="100%"></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:10pt; font-family:Trebuchet MS">&nbsp;&nbsp;&nbsp;&nbsp;</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>

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<DESCRIPTION>XBRL TAXONOMY EXTENSION SCHEMA
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<!-- CTU Version: Release 2020-3 Build:20200324.2 -->
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<!-- Copyright (c) 2020 Donnelley Financial Solutions, Inc. All Rights Reserved. -->
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    <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-20200427_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: Release 2020-3 Build:20200324.2 -->
<!-- Creation date: 4/27/2020 4:49:59 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" />
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    <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>
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  </link:labelLink>
</link:linkbase>
</XBRL>
</TEXT>
</DOCUMENT>
<DOCUMENT>
<TYPE>EX-101.PRE
<SEQUENCE>6
<FILENAME>cfg-20200427_pre.xml
<DESCRIPTION>XBRL TAXONOMY EXTENSION PRESENTATION LINKBASE
<TEXT>
<XBRL>
<?xml version="1.0" encoding="us-ascii" standalone="yes"?>
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<th class="tl" colspan="1" rowspan="1"><div style="width: 200px;"><strong>Document and Entity Information<br></strong></div></th>
<th class="th"><div>Apr. 27, 2020</div></th>
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<td class="text">false<span></span>
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<td class="text">false<span></span>
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<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>
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</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>
<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_WrittenCommunications</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_us-gaap_StatementClassOfStockAxis=us-gaap_CommonStockMember">
<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 );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_StatementClassOfStockAxis=us-gaap_CommonStockMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_StatementClassOfStockAxis=us-gaap_SeriesDPreferredStockMember">
<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 );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_StatementClassOfStockAxis=us-gaap_SeriesDPreferredStockMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
<table border="0" cellpadding="0" cellspacing="0" class="authRefData" style="display: none;" id="defref_us-gaap_StatementClassOfStockAxis=us-gaap_SeriesEPreferredStockMember">
<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 );">- Details</a><div><table border="0" cellpadding="0" cellspacing="0">
<tr>
<td><strong> Name:</strong></td>
<td style="white-space:nowrap;">us-gaap_StatementClassOfStockAxis=us-gaap_SeriesEPreferredStockMember</td>
</tr>
<tr>
<td style="padding-right: 4px;white-space:nowrap;"><strong> Namespace Prefix:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Data Type:</strong></td>
<td>na</td>
</tr>
<tr>
<td><strong> Balance Type:</strong></td>
<td></td>
</tr>
<tr>
<td><strong> Period Type:</strong></td>
<td></td>
</tr>
</table></div>
</div></td></tr>
</table>
</div>
</body>
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